What Issues Should I Consider When Reviewing My Property and Casualty Insurance Policies?

Property values change, renovations add value that isn't automatically reflected in a policy, and liability exposure tends to grow quietly as net worth grows. None of that updates itself, which is why this coverage benefits from a regular look.

An umbrella policy is worth a specific mention here. It's often inexpensive relative to the additional liability protection it provides, but it's also easy to overlook until there's a claim.