There is a mistaken belief that all insurance policies have the same coverage. Several major insurance companies policies have no coverage for a whole range of potential major loss causing events including the actions of wild animals such as bears. With the drought driving animals down out of the hills looking for food, bear invasions in our area are on the increase. Go over your coverages with your agent - make sure you are not getting a Bear Bones Insurance policy that is cheap on the front end and very costly on the Bear end. Current story below is a reminder the unexpected can happen anywhere.