Home owner insurance is supposed to give you a peace of mind that you will be protected in the event that anything damaging or disastrous happens to your home. However, you cannot just assume that if you have a home owner insurance policy that you will not be responsible for the repairs to your home if something does happen. It is very important that you are well aware of the obligations that you have as a homeowner to ensure that you and your home are covered against the most likely (and unlikely) problems. Here are some common things that some people overlook in their home owner insurance policies:

1. If you bought your home more than 2 or 3 years ago you may need to update your assessed value on your home owner insurance. Although you may have