Regardless of what kind of insurance policy you may have, there quite possibly is a situation that you are not covered for. For an auto policy, you may not have purchased rental car or towing coverage and realize after an accident that you are not covered. For a homeowners policy, you may have opted against purchasing sewer & drain backup coverage and come home to your basement flooded from a sump pump failure. By reviewing your policy with your agent, you can make sure that you are well protected for when these kinds of events should occur.
http://www.eriesense.com/6-common-coverage-gaps/#.UmbZduXD-mc