Make sure your home insurance coverage is up to date to avoid surprises in case of a disaster. Review your policy annually and consider additional coverage for climate-related risks like flooding and fires.

Whether a renter or an owner, if you are responsible for insuring your home and its contents, make sure you have the right coverage and possibly save some money by periodically reviewing your policy. Most importantly, in the event of a disaster, you are less likely to be surprised by a shortfall in your coverage if you stay up to date in this way.

Climate change is forcing insurers to evolve their policies continually. If you live somewhere with increased flood or fire threat, it is possible that your coverage has changed or you are not covered for that type of climate event at all. Or perhaps your property is now in a flood or fire zone when previously it was not.

Be proactive and ensure you are covered, or at least make an intelligent decision about how much coverage you want to avoid a nasty surprise later.