How well do you know your insurance agent? Have you reached out to your agent in the last year and made any important changes to your policy after the birth of a child, after an accident or an addition to a house or business?
If you answered "no" to any of these questions, you could be in for a costly surprise when you need to file an insurance claim. It is so important to review an insurance policy—especially one you may not have looked at for quite some time on a regular basis. You wouldn't wait years to visit the doctor or take your auto in for a check up, would you?. Here is a great article highlighting some variables that will affect your premium and coverage.
https://www.cnbc.com/2014/04/14/how-well-do-you-know-your-insurance-policy.html