Your homeowner's insurance may not protect you the way you think it does. In this episode, Mike Canet responds to a listener question about insurance coverage and explains several overlooked risks that can create major out-of-pocket costs after a disaster. From replacement value misconceptions and ordinance change protection to underinsured homes, outdated auto coverage, umbrella policies, and liability concerns, the conversation highlights why insurance should be part of a broader financial plan. Learn how reviewing coverage proactively can help uncover gaps before they become expensive surprises and why many retirees may be carrying more risk than they realize.

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