Annual Insurance Checklist

	READ YOUR POLICY.
	Shop around at least annually for coverage with insurers other than the FAIR Plan. The FAIR
	Plan is the insurer of last resort and provides only basic property insurance.
	The insurance marketplace changes regularly, so a property not eligible for coverage in the
	past may be eligible now.
		Ask your neighbors who insures their properties Ask your insurance broker to try to find you more comprehensive coverages than we offer Call insurance companies on your own Do not rely on just one source for your insurance information
	If you cannot secure a single policy with another insurer, consider purchasing an additional
	policy to cover types of losses we don’t, commonly known as a Difference in Condition (DIC)
	policy.
	Make sure that the amount of dwelling coverage you have purchased is enough to replace
	the structure (including foundation) in the event of a loss. This is your responsibility, not ours.
	Review all of your coverages. Selecting the amount and type of insurance coverage
	appropriate for your needs is your responsibility.
		See the policyholder tab for a description of coverages available from us.