By Glenn Haege, The Detroit News
When you hear me say “proper prior planning prevents poor projects,” I’m usually talking about home remodeling. However, the same adage applies to your homeowners insurance.
Too often people don’t review their coverage and then find it is insufficient when a disaster occurs.
Rick Sovel, an independent insurance agent with Michigan Community Insurance Agency, (248) 465-6200, michigancommunity.com, said basic policies generally cover your structure — detached structures like a garage, your home’s contents and liability coverage in case someone is injured on your property…