Life throws us some curve balls sometimes, but if we take the time to do a little homework, we may find ourselves being able to hit it with ease. If you have the right coverage for your home or your vehicle, these surprises will be easier financially and emotionally to handle.

If you have just moved into a new state, region, or anywhere new, check with your local insurance provider and see what “surprises” are regular in that area. A surprise can include, tornado’s, hurricanes, t-storms, earthquakes, or even forest fires. Floods and mold can devastate your basement. A quick grease fire can catch your kitchen on fire, and heavy snow can cause your roof to collapse. These are a few examples of surprises that can come at a moments notice or take time to form.

Knowledge is power, so talk to your insurance company to make sure you are covered for all of the surprises in your life.