Home Insurance Checklist for New Owners

Got the keys? Before the boxes are unpacked, confirm your home policy actually fits the house. Start with rebuild value — the cost to reconstruct your home today — rather than the price you paid for it.

Next, check your storm deductibles. In Nebraska, hail and wind often carry their own terms, and the roof schedule decides how a claim pays. Read those lines before storm season, not during it.

Belongings, liability, and the first month

Walk through each room and estimate what your belongings would cost to replace. Note high-value items separately, since jewelry and specialty gear may need their own scheduling.

Finally, confirm liability limits and loss-of-use coverage, then set a yearly review reminder. Policies drift out of date as homes improve — a quick annual check keeps yours honest. Ask us to review yours any time.