Many people don't know the terms of their homeowner's policy. If you are one of these people, take a good hard look at your own policy. Getting a better understanding can be a boon to you and your family.
Firstly, determine what your policy covers, and what it does not cover. When you first register for insurance, you will receive a booklet that chronicles this information. You should also know exactly how much coverage you have.
If you don't know how much coverage you have, you may not have enough. You should also learn when and how to file a claim. You will get the most benefit out of your policy by learning as much as you can.