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Homeowners Insurance: Up in Flames?

Homeowners Insurance: Up in Flames?

As every homeowner knows, “wildfire season” can happen at any time of year. As long as it’s dry enough and there is enough tinder around, sparks may fly. There are many resources out there that explain how to protect your property from a wildfire, but they don’t always work. If you’re out of town or unaware of a fire nearby, you can get caught without proper protection. One seemingly sure thing is to purchase homeowners or renters insurance for your property. Once you purchase a policy you’ll be covered in the event of a fire, right? Well, maybe not. Here are some ways to protect your property with insurance during wildfire season. Don’t Set It And Forget It An automatic insurance renewal every year can take the hassle out of shopping insurance or guarantee you have coverage. You just continue to pay the premiums and if something goes wrong you’ll have coverage. Ask yourself these questions: In the event of a catastrophe: Will you have the right insurance coverage? Will you have enough insurance coverage? There are a couple of ways you can find out the answers to these questions: hope for the best when a claim occurs, or review your policies at the next available opportunity and talk to your insurance broker. We vote that you talk to your insurance broker! Your insurance broker can review your coverage and review your home, personal property and financial situation with you to determine whether the coverage you have is the right kind of coverage and enough coverage to replace your property should the unthinkable happen. Document, Document, Document In a...