Adequately insuring your home against loss is critical. It may even be the most essential step in protecting your family’s most significant investment. Even the best financial plans can fail if we ignore the details. According to TrustedChoice.com, insurance companies reimbursed Utah homeowners $190,957,000 for losses in 2015. Even so, not all claims are approved, and not all homeowners’ policies are the same. Losses excluded from your policy, result in denied claims, leaving you to foot the bill.