Most policies are not wrong. They are incomplete, in the same handful of places, because nobody walked through the list at the closing table. “Not sure” is a perfectly good answer to any of these — it is often the most useful one.
A homeowners policy is usually bought once, at a closing table, under time pressure, from whoever the lender or the realtor suggested. The base policy gets chosen. The endorsements that decide most real outcomes — water backup, ordinance or law, extended replacement cost, scheduled valuables — are the ones nobody had ten minutes to talk through.
Then the policy renews on its own for years. The premium changes; the coverage does not get revisited. That is why almost every policy we review has the same three or four things missing, and why almost none of them are expensive to fix.
It is not a review of your policy — it cannot be, because it never sees your policy. It is a checklist of the places coverage usually goes missing, so you know what to look for on the declarations page or what to ask us about.
Send us your declarations page and we will do this properly against the actual policy — what is missing, what it would cost to add, and what we would leave exactly as it is. No obligation to move anything.
Independent insurance guidance for your home, your business, and your life across state lines.