As the Vice President of the Ferndale Boys & Girls Club board, and as an employee of Erik Dyrland Insurance Agency - Farmers Insurance, many friends have asked me about coverage of their home in light of the recent B&GC fire on New Year’s day.  I have learned from working in Erik’s office, that we are never prepared for the worst.  Many people don’t realize that their homeowner’s insurance should be reviewed annually.  The most common error is the confusion over insuring the real estate value versus what it would cost to rebuild in the event it is completely destroyed by a disaster.  Many of us simply purchase enough insurance to satisfy our mortgage lender and then go years without reviewing our coverage.  If it is has been more than a year since you visited with your insurance agent, please blow the dust off of your current policy and give their office a call.  Hopefully a disaster won’t strike you and your family - but if it does, we want you to be prepared.   For answers to any of your insurance questions, here is a link to our website.  We’d be happy to help you!  www.dyrlandinsurance.com