Make Sure You Know Your Homeowners Insurance Policy

Insurers say 1.7-million insurance claims were filed last year after Hurricane Katrina, the most since 1851. With hurricane season in full swing, there are things you can do to protect yourself.

Insurance agents like Ben Bartlett have been busy helping customers check their policies. He says it's important to know what's covered, especially when it comes to flooding.

Bartlett said, "Homeowners insurance does not include flood insurance, that's two separate policies, and that's a misconception with a lot of homeowners.  Since Hurricane Katrina and Rita the market down there has tightened considerably."

Experts suggest checking your insurance to make sure it's up to date. Also, have an evacuation plan so your family knows where to go if there's a hurricane. Take steps now to improve your property to protect it against a storm, and do a home inventory of all your possessions.

John Toole, the owner of Toole Insurance Agency, said, "There's absolutely nothing wrong with having a photo taken or a recording of all of your personal contents inside your home.  That way if you do have a claim, you will have something for the insurance companies to evaluate to tell you what kind of replacement you're going to get."

Insurance agents say their number one piece of advice is to make sure you know what kind of home owner's policy you have.

Some coastal regions have tightened up their flood insurance policies.  This does not affect East Texans.  You can still get flood insurance.