With home prices lower than in previous times in many areas of the country, you might not think about the cost of replacing your home should there be destruction of your house.

Your task this month is to set an appointment with your insurance agent to review your insurance needs. This isn’t a ploy to increase your payments, but I know several friends who haven’t done this review for years and sadly paid for it when we had hurricane damage a couple years ago.

While you are reviewing insurance needs, check your auto insurance as well. Do you receive a discount when the homeowners, renters, auto and business insurance with one company? Look at the total picture and get a total price on all your coverage for a true cost comparison.

Life insurance? Get information and quotes while you are handling your other insurance needs. Don’t you like multi-tasking!