With climate change now a given, and climatologists predicting more frequent hurricanes in the Atlantic, homeowners from New Orleans to coastal Maine are now all in the same boat when it comes to homeowner’s insurance. But what are your rights and responsibilities if you live in a condo development?

A quick point about the insuring contents: Be sure to check with your insurance company about depreciation, because dishwashers and other appliances don’t increase in value over time.

But here’s another idea: Your insurance company should do a periodic appraisal of your unit to determine whether you have enough coverage.

Read the whole article here (The News-Sentinel).