Most people think their homeowners policy is like a safety net that catches everything, but here's the reality check: it probably won't cover half of what you assume it will. Flooding? Not included unless you bought separate flood insurance. That sewer backup that destroyed your basement? Usually excluded. Your grandma's antique ring that got stolen? There's likely a cap that won't come close to its value. When you're shopping around, an Insurance Agent Loveland, CO can walk you through what's actually in your policy versus what you think is there. Don't wait until you file a claim to find out your Insurance Agency Loveland, CO left gaps you didn't know existed. Wind River Insurance Agency LLC : https://www.windriverinsurancellc.com/ More details here : https://gulfsena.com/blogs/51164/Why-Your-Homeowners-Policy-Probably-Doesn-t-Cover-What-You