It’s a homeowner’s nightmare, a fire or other catastrophe destroys their home and everything in it. To make matters worse, some homeowners discover too late that they did not have enough insurance coverage to rebuild their home and replace their personal property. Homeowner Tom Stobbs says he has made it a habit to update his insurance policy every Jeanne Salvatore, Senior Vice President, Insurance Information Institute, says homeowner’s need to ask their company or agent if they have enough insurance to rebuild their home, replace their personal property and protect their assets if they are sued. Candysse Miller, Insurance Network of California says review your policy every year to make sure your insurance is keeping up with you and your home. For more information about insurance, go to the I.I.I. Web site at http://www.iii.org

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