When people purchase a Fort McMurray insurance policy, they often expect said policy to cover "everything". The truth, however, is that this is rarely, if ever the case. What these people fail to realize (sometimes too late) is that there are only so many things that a policy will cover them from.
Of course we're talking about worst-case scenarios here, but just because it "only happens to other people" doesn't mean that you shouldn't prepare yourself for it.
So how do you make sure that your house is properly insured against enough perils? You have to do your homework, ideally before purchasing a policy. But if it's too late and you've already purchased one, then the best thing that you can do is read it over carefully and do it a bit of research on your own.
In Fort McMurray, most home insurance policy will provide protection against basic perils. Think fire, vandalism and arson. Generally speaking though, home insurance policies don't don't cover you against perils such as earthquake and landslide. In most cases, you have to purchase additional coverage on the side.
What we recommend that you do is this: First go over your insurance policy and write a list of what it protects you from. Next go online and do a bit of research on what a Fort McMurray home insurance coverage should protect you from. If you are still uncertain of whether your home is properly covered after following our advice, then it might be a good idea for you to turn to your insurance broker.