Eight questions that reveal if you’re actually protected.

Could you find your insurance policy — the actual document — in the next two minutes?

Do you know which company insures your home and the phone number you would call to file a claim?

Do you know whether your policy pays replacement cost or actual cash value — for both your home and belongings?

Could your home actually be rebuilt for your Coverage A amount at today's construction prices?

Do you know your deductible, including whether you have a separate larger wind, hail, or hurricane deductible?

Do you know how much your policy pays for hotel and living expenses if your home is unlivable?

Do you know the special dollar limits on jewelry, firearms, cash, and silverware in your policy?

Have you ever read your policy's exclusions section, including flood, earth movement, sewer backup, and gradual leaks?