If you have a mortgage, your lender probably requires you to carry home insurance. Many homeowners simply find the least expensive policy available and never think about it again, living peacefully under the assumption that their property insurance will compensate them for any losses. However, the minimum requirement only protects the bank's investment, so it's up to you and your insurance agent to protect yours.

Michael E Glick Insurance, an independent agency in Boerne, TX, encourages everyone to review their property insurance policy regularly. A strong policy brings several benefits, including:

• Compensation For Damage To Your Home: Some property insurance policies will pay you fair market value for your home, but depending on the market where you live, this may not be enough to replace it if it's completely destroyed. Go over your policy with an insurance agent to ensure you have all the coverage you need.
• Coverage For Your Personal Belongings: Your home is one major investment, but how much would it cost to replace your most valuable possessions? If your home is destroyed or broken into, you'll want property insurance that can at least compensate you for some of your personal losses.
• Liability Protection: In addition to protecting your property, a good property insurance policy will also offer to cover you. If you accidentally damage your neighbor's home or someone is injured on your property, you'll want the peace of mind that comes from knowing you're protected.

As an independent insurance agency, Michael E Glick Insurance has access to products from several of the nation's leading carriers, allowing them to shop around to find the perfect policy for you. Like them on Facebook for updates; to schedule an appointment today, call (830) 816­-9488.