When it comes to home insurance, there is nothing worse that finding out after the damage has occurred that your Hawaii home insurance is not all that it claims to be. This happens to an increasing number of people. In order to make sure that this does not happen to you, there are a few things that you should have in mind when you purchase and reevaluate your policy down the road.


You should look at your current insurance in accordance to four key areas of your home: the structure of the house, the belongings inside the house, liability to others, and what your living expenses would be if you were forced out of the house. If the policy rates superior in all of these areas, then you know you have a good homeowners insurance policy. However, if you notice any of these categories are falling short of where they should be, then you should consider finding new coverage or updating your current coverage.


Get replacement value coverage. If you do not have this then you are given what the market value of the product or the house is today. You want to make sure that you can replace all of your belongings with the same thing, not just something that may be similar and will more than likely cost less than what you paid for the original.


Before you are ever faced with the situation in which you need to make a claim, which involves proving that you own what you say you own, take inventory. Write down serial numbers, prices of the items, as well as descriptions and store this in some place other than your house. In the event that your house is destroyed, this is why the inventory list needs to be somewhere else so that you can have it and it will not have been destroyed along with the house.


If you live in an area that is prone for flooding, be sure that you have the flood coverage included in your homeowners insurance. Many people unfortunately make this mistake, and should a flood hit, then they are left with no where to turn.


Most importantly, you should go over your insurance policy at regular intervals. There are many times in which you will need less coverage, such as the event of a divorce or the kids moving out. It is important to make sure that your policy is up-to-date with your life at the moment. Not doing so, could be the difference between an easy claim or a frustrating claim.