In today’s digital age, it is tempting to go online, click a few buttons, and buy the cheapest, fastest insurance policy available. Many massive, direct-to-consumer insurance companies market their products exactly this way: as a generic, one-size-fits-all commodity.

Life moves quickly. One day you are renting your first apartment, and seemingly in the blink of an eye, you are buying a home, getting married, having children, or starting a business. While you are busy navigating these exciting milestones, it is easy to let your insurance policies sit on autopilot.

A house fire is one of the most devastating events a family can experience. According to the National Fire Protection Association, a local fire department responds to a fire somewhere in the United States every 23 seconds. While having a robust homeowners insurance policy is critical for rebuilding the physical structure of your home, your first priority must always be the physical safety of your family.