The majority of people have homeowner’s or renter’s insurance but when is the last time the policy was reviewed. Lots of people never review their insurance policy. It never hurts to look over the policy at least once a year to make sure you have adequate coverage especially if you have done some remodeling or added a collection of some sort that is worth some money. So call your agent and schedule an appointment to look over your policy to make sure everything is up to par.