When a big storm hit my area, my home insurance proved to be a lifesaver—literally. The trick I learned was to review my policy every year to make sure it matched the actual value of my home. After the storm caused some damage, I was glad I had adjusted my coverage to reflect the current value. I had upgraded my roof and added a deck, and my insurance covered everything. Had I not reviewed my policy, I would have been stuck with a smaller payout. The secret? Always make sure your home insurance keeps pace with your home’s improvements and changes. When a storm came, I was prepared and didn’t have to pay out of pocket. So, don’t wait for disaster to strike—update your policy and check for gaps regularly.
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