I used to work for an insurance agent who said they were always surprised by how many people actually never read their homeowners policy. How do you know if you have the right coverage if you never read it? In some cases, any changes or additions to your home may not be covered unless you get an endorsement. If you do any renovations or add a shed for storage, you may want to check with your agent to be sure you have the right coverages. We have had renovations and sheds damaged in storms that were not covered because the agent was not aware they were even there! The best time to review your policy is when you receive it and ask your agent any questions right away. You should also go over it again, at least once a year, right before the renewal in case any changes need to be made. When was the last time you actually read your homeowner's policy?