Also remember that anything not specifically mentioned is specifically excluded. Never assume you have a certain coverage unless you find it written in your policy. For example, if your declarations page doesn't show earthquake coverage, you don't have it.

Above all, review your policy. If you aren't sure about parts of it, call your agent. An agent's job is to explain things and to advise you. Never be bashful or embarrassed. If something damages your home or if you have an auto accident, the only stupid question will be the one you didn't ask.