A homeowner's policy from Universal North America® provides exceptional coverage - especially when it's updated to keep pace with your changing needs. We recommend reviewing your policy once a year to guarantee sufficient coverage, smooth processing and timely payment should you ever need to file a claim.

Annual policy checklist:

• The mortgage company (or lienholder) listed on my policy is current.
• My dwelling profile is updated to reflect all home improvements and additions.
• My home is insured at replacement cost, meaning I have sufficient coverage even if it's completely destroyed.
• I have added optional coverages to my policy to protect my valuables or property against specific risk.
• I have reviewed my policy's deductible options, and I'm comfortable with those numbers.