• Consider purchasing additional coverage, such as flood insurance, which is not covered under your Homeowners policy.

• Review your annual hurricane deductible, which is typically 2-5% of the insured value of your home.

• Check to see if you have actual cash value or replacement coverage for your belongings. Actual cash value coverage pays only the depreciated value of your property.

• Make sure that your level of coverage is adequate to replace your home.

• Keep your policy documents safe. Place copies of your policy in your safe deposit box or leave them with an out-of-town relative.

• Ask questions. Have your agent explain how your coverage works, so you can feel comfortable with how it will fit your family's needs.