Get the most from your coverage
The purpose of home insurance is to protect your family's home and personal property. In the event of a natural disaster, you want to make sure that what matters most to you is covered. There are five easy steps to buying and maintaining the right amount of coverage:

1. Always have a good idea how much your home is worth and the value of your personal belongings.
2. Make your deductible work for you. Keep in mind the higher your deductible (the amount you'll be responsible for if a property claim is filed), the lower your premium. And since you may not have a claim for years, a lower premium could add up to significant savings over time. If you prefer the financial security of a lower deductible, you'll always have the option of increasing it later.
3. Decide if your want your policy to cover your home's replacement cost value (what is would take to rebuild your home with similar materials) or the actual cash value (what it would cost to replace your home minus any depreciation).
4. Review your policy yearly to make sure you understand all terms.
5. Periodically assess any special risks to your home, such as flooding, and ensure that your policy enables you to rebuild if your home is damaged.

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