Insurance tips - Hire an expert insurance agent or consultant to audit your insurance program

Look for someone to make sure that all the major risks in your life are well-protected – for risks such as major lawsuits, major damage to or destruction of your residence, premature death, long-term disability and, of course, major medical expenses.
An expert can help you identify where the gaps are and recommend custom endorsements to plug those gaps. I have done several hundred audits over the years and typically find at least 15 to 20 coverage shortfalls or inconsistencies