Homeowners Insurance Lowdown

It is important to review your homeowners insurance every now and then. Have you done it lately? If not, please check these items against your insurance-planning list:

• Review: Know what your policy covers and review your insurance coverage with your insurance agent. If necessary, write down your basic insurance information.
• Know deductible type: This is an important one – you must understand the type of deductible you have. For this, read your insurance policy or call your agent or company. Some companies allow policyholders an opportunity to "buy down" to a flat deductible.
• Make a list: I’ve said this before but since it is important, it requires repeating. Update your household inventory. Make a list, take photographs or videotape your personal belongings and store the inventory in a safe place outside your home.

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