Review insurance coverage and deductibles
Ask what is covered, excluded, and subject to a separate deductible or policy.
Why it matters
Coverage, home value, belongings, and risks change over time; assumptions can create costly surprises.
Steps
- Find your declarations page and claims contact information.
- Review dwelling, contents, liability, and additional-living-expense limits.
- Ask about flood, earthquake, sewer backup, valuables, and home-business gaps.
- Confirm deductibles and document answers from your licensed agent or insurer.
How often should I review insurance coverage and deductibles?
Yearly is the planning default. Follow your equipment instructions and act sooner on a fault.