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When is the last time that you checked your home owner insurance policy? We had our insurance agent go over our policy to make sure that we had the best comprehensive coverage. He was able to uncover a missing item that would have cost us approx. $10K extra if our house were to suffer water damage due to freezing pipes. This was an adjustment that we were looking since several of our neighbors had been telling us that they had a pipe burst and not all of their insurance would cover the costs. This got us thinking and had our policy reviewed. There are items that your agent will talk to you about and not all of them will be needed but make sure that you look at all your options before checking the no box.