Homeowner checklist

Home and renters insurance: know what the policy actually protects

Use these steps to plan, check and keep a record of your next actions.

• Read the policy schedule, limits and exclusions for the actual home or tenancy.
• List covered water events and any separate endorsements.
• Record each deductible in dollars.
• Confirm insured people, belongings and changes that must be disclosed.
• Keep policy documents, an inventory and the claims contact together.

Notes & questions to follow up