National Preparedness Month 2018: Check Your Insurance Coverage

National Preparedness Month: Week 3

Check Your Insurance Coverage


As part of the Federal Emergency Management Agency (FEMA)’s National Preparedness Month, the theme for the week of Sept. 16 - 22 encourages you to check and update your insurance policies to ensure your home is properly protected and ready to withstand all of Indiana’s natural disaster threats.

Document, Understand & Ensure

When it comes to preparing your insurance policies for your property, there are three important steps you should follow:

Document Your Property. Create a detailed inventory of your valuable contents. By doing so, you’ll help speed up your claim processing for damaged contents. You will also be able to provide documentation for tax deductions for your losses.

Understand Your Options for Coverage. Whether you have homeowners or renters insurance, it’s important to understand what areas of coverage your insurance provides.  

A homeowner policy typically offers the following areas of coverage:

  • Dwelling (coverage for your house)
  • Other Structures (coverage for garages, decks and fences)
  • Personal Property (coverage for items like furniture, clothing and appliances)
  • Loss-of-Use (compensation if you need to relocate temporarily due to damage)
  • Personal Liability (coverage for accidents that happen on your property)
  • Medical Protection (payments for a person who is injured on your property)

A renter’s insurance policy typically offers the following areas of coverage:

  • Personal Property
  • Loss-of-Use
  • Personal Liability
  • Medical Protection
  • Property Damage to Others (coverage if you accidently damage someone else’s property)

Ensure you Have Insurance Coverage for all Relevant Hazards. Identify all of the different weather related hazards that can occur in the area you live, and talk with your insurance provider to see if your selected insurance coverage options will appropriately protect your home from disaster damages.


Importance of Flood Insurance

Flooding is the most common natural disaster in the United States, especially in the state of Indiana. Most homeowner and renter insurance policies do not automatically include coverage for flooding, so it’s important that you talk with your insurance provider about purchasing flood coverage for your home. Basic flood insurance typically covers structural damage to your home, including your air conditioner, furnace, and water heater.

Flood insurance is also available to homeowners and renters through the National Flood Insurance Program in participating communities. For more information, visit or call 1–888–4FLOODS.  


Disasters don’t plan ahead, but you can. Learn more about how to effectively check and update your insurance coverage by visiting

Missed last week’s spotlight on National Preparedness Month? Catch up here.