Review your policy to make sure you have enough home protection to cover damage to your property or possessions, especially in the case of a disaster. If you have home monitoring, smart devices, or haven't had a claim in a while, check if you qualify for discounts.

When you don't own your home, renters insurance can help you feel more secure by protecting your belongings from unexpected events like theft, fire or water damage.

If you rent out your property, make sure you know what your homeowners insurance does and doesn't cover. You may need additional protection from damage, vandalism, and accidents caused by your tenants.

If your area is prone to flooding, you may need additional coverage. Flood insurance can help cover the cost of repairs and replacing your belongings damaged by floodwaters.

In the case of an accident or injury on your property, or involving your vehicle or pet, your other insurance policies may not fully cover your financial liability in a lawsuit. Umbrella insurance can help protect your current and future earnings.

Valuable personal items like heirloom jewelry, fine art and musical instruments may not be covered by your standard property policy. Make sure you have the right kind of coverage in case of accidents or losses.