4 ways to disaster-proof your homeowners insurance policy

Pat Mertz Esswein, Associate Editor, and Kiplinger's Personal Finance •

One-half to two-thirds of homeowners who experience a total loss don’t have enough insurance to rebuild their home and replace their belongings, according to post-disaster surveys of homeowners by United Policyholders, a consumer advocacy group. Thankfully, most homeowners never experience a total loss. But when a catastrophic loss does occur, the gap in coverage can