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Is that vacant piece of property, really vacant? Something as insignificant as a fence running through your vacant lot may mean that liability coverage does not automatically extend from your home insurance policy. Always call your agent with specific details to find out if coverage is automatic, or if it needs to be added.

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Water damage from sewer back-up, sump pump failure or over flow may not be automatically included on your home insurance? Check with your agent to see if coverage is included and if higher limits are available if desired.

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Flooding is always excluded on a home insurance policy. A separate flood insurance policy may be purchased, so contact your agent for more information or a quote.

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Business property stored in a detached structure, such as a detached garage or shed, may void coverage on the entire building if loss occurs. Check with your agent prior to storing any business property in a detached structure on your property.

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Rental cars may not be automatically covered by your personal automobile insurance policy. Always check with your insurance agent prior to waiving the insurance offered by the rental car company.

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