Do not let yourself be taken in by some insurance companies.

Buy home owner’s insurance without any hesitation. Without insurance, you are not protected against losses due to theft, fire or other natural disasters. If you’ve got a mortgage, you may not have a choice in terms of homeowner’s insurance since it may be in your loan’s terms.

If you have a family, evaluate the insurance policies in case your home shrinks or if your material possessions increase. You need a second look over your policy to determine if any coverage limits on valuable items exist. If you have specific items you want covered, you can ask for a separate rider to cover those against theft.

Install smoke alarms in your house. Insurance companies want your homes to be safe. Adding more carbon monoxide and smoke detectors will help … Read the rest