The typical homeowner’s policy includes coverage for perils and losses due to fire, lightning, tornadoes, windstorms, hail, explosions, smoke, vandalism, and theft. Just as you would scrutinize the terms of your medical insurance, the nuances and details of your homeowner’s policy should be examined seriously. Too often, homeowners sign up for a policy and go on autopilot regarding its terms and coverage without taking new acquisitions, risks, and increasing value of their homes into consideration. Most insurance agents recommend a regular “check-up” for consumers, so that homeowners are not left “high and dry” when disasters and losses strike.-Lezamiz Real Estate Co.