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Homeowner’s insurance is a necessity for everyone, but not easy to understand. It protects your home and possessions against damage or theft. It is good to understand what your insurance policy covers. Some basic terms to know:

When purchasing your homeowner’s insurance policy, your insurance company or agent will review the characteristics of your home to estimate the cost of rebuilding it. To make sure you have sufficient coverage for as long as you live in the home, you should schedule annual reviews of your coverage with your agent or insurance broker. Many consumers are under-insured. It is important to have an updated valuation on contents and what coverage is needed in the event of a total loss. We have insurance agents that we work with and would be happy to give you a referral.