It’s time again for hurricane season—and time to make sure you understand what is and is not covered under your insurance policies.

According to the National Oceanic Atmospheric Administration, the Atlantic hurricane season is expected to be near-normal this year, with 9 to 15 named storms and 4 to 8 hurricanes—including 1 to 3 major hurricanes designated Category 3 or greater bringing winds above 100 mph.

Even though this year’s prediction is less active than last—which saw 19 named storms—it’s important to be prepared and make sure your home, property, farm and crops, business, and vacation home are sufficiently covered. This year marks the 20th anniversary of Hurricane Andrew, 1992’s Category 5 storm, which is a reminder of the devastating power of nature. Interestingly, there were only 6 named storms in the 1992 season, which goes to show storm frequency doesn’t tell the whole story.

We’ve already seen 2 named storms this year—both pre-empted the official start of the Atlantic hurricane season, which runs June 1 through November 30, 2012. Tropical Storms Alberto and Beryl both developed before June 1, which hasn’t happened since 1908.

To all Virginians: It’s time to check your policies and review them with your Virginia Farm Bureau Insurance agent to make sure you know exactly how your coverage, and your deductible, works.