Step 4: Make sure you're covered

The time to find out what your insurance does and does not cover is now, before you’ve had any trouble. If you are displaced from your home, will your insurance pay for a hotel? How much and for how long? Do you have to purchase separate flood insurance? Are you insured for the cash value of your belongings or the replacement value of them? 

If you don’t own your home, renter’s insurance can still help replace any items that may get damaged and also pay for you to stay in a hotel. Up to 75% of renters don’t have renter’s insurance, but you really should.

Learn more about maximizing your insurance coverage here.

Next step: If you have to evacuate…

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