Your Independent Agent, Advocate Insurance, wants to ensure that you don't face any unpleasant surprises in the event of a homeowners loss. Like most homeowners, your home is probably your biggest investment, and you take pride in maintaining and improving it. But, have you thought about the maintenance of your homeowners insurance? Features like hardwood floors and crown molding are often not fully detailed when a homeowners policy is first purchased. Also, common home improvements like new flooring, plumbing and electrical upgrades add to the value of you home. More significant and expensive enhancements to your home like an upgrade kitchen or bath, a deck or patio, or a finished basement can increase your home's value by thousands of dollars.