A lot of people will never call for homeowners insurance quotes once they have insurance in place, and this often happens simply because they do not see the need to get another quote. Asking for home insurance quotes periodically is a good idea, though, and this is especially true if you experience any of the following changes in your life.

You've Made Improvements to Your Home

Any types of improvements to a home can affect your home insurance, so you should always call your insurance company just to be safe. Some of the changes you make could cause your policy to increase in price. While it may seem like a bad idea to call if your rates will go up, there is an important reason to call in this situation.

If you, for example, put an addition on your home, you can expect the rate to increase; however, your current coverage might not be sufficient for this newly added space. If the addition caused a major increase in value to your home, you may need to up your coverage so it reflects the current value of your home. If you fail to do this and encounter a major disaster with complete loss of your home, you might not get a large enough check from your insurance company after filing your claim.

It's also important to realize that some improvements made to homes will actually cause the premiums to decrease, and this happens mainly because of the discounts you might now be eligible for. Here are some of the improvements you can make to your home that might cause you to qualify for discounts on your policy:

• Adding deadbolts to your exterior doors
• Installing a security system
• Updating old electric or plumbing in the home
• Putting on a new roof

You Recently Got Married

While not all insurance companies factor in a person's marital status when calculating a quote, some do. If you recently tied the knot and have not asked for a home insurance quote, it might be worthwhile to do so now. When you do this, you may want to first ask if marital status affects the price. If the agent tells you that it does, you might qualify for a discount that is around 5%, and this is just because you went from being single to being married.

It's also important to note that if your new spouse moved into your home with you, you may also need to increase your coverage amounts. This will depend on what types of belongings your spouse brought into the home and if they are valuable or not.

You've Made Some Big Purchases

You should also realize that if you purchased something recently that is very valuable, it might not be covered under your existing policy. Most home insurance policies have limitations on them. In other words, they will only cover normal things; however, there is a way to get the coverage you need for the asset you just purchased.

You could call your insurance company and add a rider to the policy. These are also called floaters or endorsements, and they are add-ons to a current policy. They offer a certain dollar amount of coverage for a particular item. Riders can be added for almost any asset you purchase, including art, jewelry, or instruments.

If you have had the same home insurance policy and coverage for a long time, you might be able to protect yourself more and benefit by requesting a free home insurance quote from an insurance company. From there, you can feel confident that your home is properly insured.