Know your policy

Inclusions: What is covered by your policy, such as specific events, items, or conditions.
Exclusions: What is not covered. This could include certain types of damage, specific conditions, or events.

Premium Amount: The cost of your insurance policy, which can be paid monthly, quarterly, or annually.
Payment Due Dates: Missing a payment can result in a lapse of coverage.

Amount: The out-of-pocket cost you must pay before your insurance coverage kicks in.
Per Claim vs. Annual: Some policies have a per-claim deductible, while others have an annual deductible.

How to File: The steps you need to take to file a claim, including required documentation and deadlines.
Claim Limits: The maximum amount your insurance will pay for a covered loss.

Additional Coverage: Optional add-ons to your policy that provide extra coverage for specific items or events.
Cost: Riders often come at an additional premium.

Policy Conditions: Requirements you must meet to maintain your coverage, such as regular maintenance of insured items.
Cancellation Policy: The terms under which your policy can be canceled by you or the insurer.

Renewal Terms: When and how your policy can be renewed.
Policy Changes: How to update your policy to reflect changes in your circumstances, such as moving to a new home or buying a new car.

Customer Service: Contact details for your insurance provider, including phone numbers, email addresses, and online portals.

Complaint Process: How to file a complaint if you disagree with a claim decision or have issues with your policy.
Resolution Bodies: Information on bodies like the Insurance Ombudsman for dispute resolution.