It’s important to keep in mind that your homeowners policy contains limits and exclusions that can affect the way in which a loss is settled.

Don’t make the mistake of assuming you’re covered.

• Have a loss

• Move

• Sell your house

• Add value to your property –build an addition, add a deck, a garage, etc.

• Plan to leave your dwelling vacant or unoccupied for an extended period of time

• Plan to conduct a business on your premises

• Store or plan to store business property on your premises

• Own or acquire a boat or watercraft

• Own or acquire a recreational vehicle –ATV, snowmobile, jet ski, etc.

• Purchase valuable articles or fine arts - paintings, collectibles, antiques, etc.

• Own or plan to purchase jewelry

• Plan to have work done on your home by an outside party