Many people don't realize that if you've made any additions to your home, or updated the bathroom, the value of that home increases. Every two years you should look at your property value and update your insurance accordingly.

Most insurance companies and agents regularly contact homeowners to ensure that their insurance policy limits keep up with the value of their home so that there will be sufficient funds to rebuild after a hurricane or other catastrophe.

Home business owners should look at what the are covered for already and talk with their insurance agent to what policy is best for them, at the best price.

It's all about how much your pocketbook can afford. You can take a higher deductible, but if you have an accident, you are going to pay a little more.

Hurricane Andrew was kind of a wake-up call.

If there is a question at some point as to whether the industry should be held responsible for flood insurance, that would change the whole mechanism of how insurance works.