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Are You Properly Insuring Your Home?
6 Steps to Be Sure
By Kitty Werner
5. Have a Computer?
Make sure your computer is covered under your policy, as well as "how is it covered?" If you use your computer in a home office, as a business machine, it may not be covered under your regular homeowners' insurance. You may require an additional rider to cover this. 
6. Fill in the Gaps
Think you don't need flood insurance? Think again. Floods and mudslides occur in dry areas all the time. In fact, one in three flood insurance claims happens in a "low risk" area. Even if you don't live near water, hurricanes or quick snowmelts can cause flooding in places you wouldn't expect. Congress established the National Flood Insurance Program (NFIP) in 1968, administered by the Federal Emergency Management Agency. In 1983, Congress widened the scope of this, allowing corporate insurance companies to offer this coverage under the Federal Insurance Program.
Contact your insurance agency to see if you can get a policy through your current company, or you can call the NFIP yourself at 888-CALL FLOOD for information. Online, check out the FEMA Web site.
