By Amy Hancock
Advice from Jennifer Miles,
State Farm Insurance Agent

Accidents happen and sometimes they can be expensive. Are you prepared for it? When it comes to proper insurance coverage many people assume that because they have bought the policy they are covered completely. Unfortunately, that is not always the case. "Insurance policies can be confusing," shared Jen Miles, a State Farm Insurance Agent in Edmonton. "They are full of legal information. It is very important that you understand it...and that's what your insurance agent is for."

There are instances where people thought they were covered by their insurance policy but, after an accident occurred, they discovered that under certain circumstances they were not. This is more specifically regarding home owner's insurance. "This time of year a lot of people start to think about traveling." Miles continued, "A review of your home owner's policy is a good idea before you leave. Know your responsibilities as a home owner and the conditions of your policy for while you are away from your home." For example, most policies state your home must be checked in on by someone while you are away to be eligible for coverage in the case of frozen pipes causing flooding. Factors like shutting off water to appliances or keeping the heat may not be stated on your policy, but are definitely recommended.

Miles also mentioned that damage caused to your house like flooding because of a cracked foundation will not be covered because that is a maintenance issue and the responsibility of a home owner. However, flooding caused a sewer back up or damage to your home caused by a sudden wind or hail storm would be. "The biggest thing is that you have an insurance agent that will take the time to educate you, advise you, and make sure you understand your policy completely," said Miles. "Someone you can trust."

Whether it comes to home, auto, business, or life insurance; make sure you have regular reviews with your insurance company. Understand exactly what you are covered for and under what circumstances. It is stressful enough when these things happen. You should be able to take some comfort knowing that your insurance policy has your back.

Not sure if it does? Ask Jennifer, she'll know.

www.jmilesinsurance.com