1.0Barna, Guzy & Steffen, LTD.https://www.bgs.com/blogAdriel B. Villarrealhttps://www.bgs.com/blog/author/adriel-b-villarreal/rich600338<blockquote class="wp-embedded-content" data-secret="hACacpz9lI"><a href="https://www.bgs.com/blog/2010/12/08/homeowners-insurance-dusting-off-the-policy/">Homeowner's Insurance: Dusting Off the Policy</a></blockquote><iframe sandbox="allow-scripts" security="restricted" src="https://www.bgs.com/blog/2010/12/08/homeowners-insurance-dusting-off-the-policy/embed/#?secret=hACacpz9lI" width="600" height="338" title="“Homeowner's Insurance: Dusting Off the Policy” — Barna, Guzy & Steffen, LTD." data-secret="hACacpz9lI" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" class="wp-embedded-content"></iframe><script type="text/javascript"> /*! This file is auto-generated */ !function(c,d){"use strict";var e=!1,o=!1;if(d.querySelector)if(c.addEventListener)e=!0;if(c.wp=c.wp||{},c.wp.receiveEmbedMessage);else if(c.wp.receiveEmbedMessage=function(e){var t=e.data;if(!t);else if(!(t.secret||t.message||t.value));else if(/[^a-zA-Z0-9]/.test(t.secret));else{for(var r,s,a,i=d.querySelectorAll('iframe[data-secret="'+t.secret+'"]'),n=d.querySelectorAll('blockquote[data-secret="'+t.secret+'"]'),o=new RegExp("^https?:$","i"),l=0;l<n.length;l++)n[l].style.display="none";for(l=0;l<i.length;l++)if(r=i[l],e.source!==r.contentWindow);else{if(r.removeAttribute("style"),"height"===t.message){if(1e3<(s=parseInt(t.value,10)))s=1e3;else if(~~s<200)s=200;r.height=s}if("link"===t.message)if(s=d.createElement("a"),a=d.createElement("a"),s.href=r.getAttribute("src"),a.href=t.value,!o.test(a.protocol));else if(a.host===s.host)if(d.activeElement===r)c.top.location.href=t.value}}},e)c.addEventListener("message",c.wp.receiveEmbedMessage,!1),d.addEventListener("DOMContentLoaded",t,!1),c.addEventListener("load",t,!1);function t(){if(o);else{o=!0;for(var e,t,r,s=-1!==navigator.appVersion.indexOf("MSIE 10"),a=!!navigator.userAgent.match(/Trident.*rv:11\./),i=d.querySelectorAll("iframe.wp-embedded-content"),n=0;n<i.length;n++){if(!(r=(t=i[n]).getAttribute("data-secret")))r=Math.random().toString(36).substr(2,10),t.src+="#?secret="+r,t.setAttribute("data-secret",r);if(s||a)(e=t.cloneNode(!0)).removeAttribute("security"),t.parentNode.replaceChild(e,t);t.contentWindow.postMessage({message:"ready",secret:r},"*")}}}}(window,document); </script> You probably took out your first homeowner’s policy when you bought your first home and have not looked at it since. This can be costly. While I know it is as exciting as going to the dentist or sorting your sock drawer, it is important to look at your policy and talk to your agent to assure your policy meets your current situation. The other option is to find out the hard way: when you have a loss and find out that you did not have the coverage that you thought you did. Myth vs. Reality Most people think that their homeowner’s policy provides absolute or “strict” liability for injury that occurs on your premises. This is not entirely accurate. Most insurance policies provide a limited amount of of medical insurance coverage or “med pay” coverage for anyone who is injured on the insured premises. Thus, if your drunk neighbor stumbles and falls down the steps in your home and breaks his ankle, your policy will provide limited medical expense coverage. However, in order to recover more, an injured person has to prove that you were at fault in some way causing the injury. This “med pay” coverage does NOT cover injuries to your own family members that live with you nor is...