Spring and summer weather can often be a test of what your home insurance policy coverage is....and is not. One of the 
greatest assets you can have as a homeowner is a knowledgable insurance professional. Our preference for referrals is an independent agent who can choose from a variety of companies when insuring home owners. Insurance, like most everything else in life...is not a one size fits all.
The basement that floods because of a power outage and no working sump pump...no battery backup. The tree that died over the winter and winds send branches thru the neighbor's 
patio door....
The tree roots that grew thru the sewer line...is it a tree planted by the city or the homeowner ?
Your dog bit the child next door...forget that he pulled his tail...stitches are in order with a trip to the ER.
What things fall under the "Acts of God" insurance issues and do you or can you get coverage or need it and at what cost ?
Is your home and the contents insured for replacement value or cash value...do you know the difference and has this been a discussion you 
have had with your agent ?
Are there things of value that should be listed as a rider on your plan...jewelry, artwork, antiques...when was the last time those items were reviewed for current value ?
You need not wait until your policy renews to revuew it...what to add, subtract, multiply and divide is best analyzed by a professional....if you don't have an agent you know ...ask a trusted real estate agent for recommendations.
Finding out what is not covered after you have an issue is not the best way to learn more about your policy.
This has been an informative post brought to you by Sally K. & David L. Hanson, Broker Associates with EXP Realty honored to be of service for all things real estate in southeastern Wisconsin.
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