Insurance is like a car. You have to do maintenance on it. Ryan Haun recommends taking out your homeowners insurance policy annually to read it and understand it and make any necessary changes. Review your coverage, checking policy limits and making any necessary changes to reflect household changes. These changes could include growth to your family and/or added property, like cars, Schedule an appointment with your insurance agent to go through the policy annually. Maintaining your homeowners insurance policy like your car can help you avoid common pitfalls that we encounter in our practice.