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1. When insuring a home, many people end up insuring the value the home was purchased for or could be sold for. That is incorrect and you could be spending too much on your insurance. The cost it would take for a contractor to rebuild your home is the amount a home should be insured for. A $1,000,000 home in Washington D.C. could be adequately insured for $400,000.

2. Many people don't realize this, but just because you have Home Insurance, it doesn't mean your're protected. Water Back-Up is an OPTIONAL coverage. Many companies will not add this coverage to your policy to "save" money but you're leaving your greatest asset under insured and at risk.

3. Some insurance companies will insure your personal property for the cost to replace it today in the event of a loss. For a TV you purchased four years ago for $2,000, you could only be covered for $400. Make sure to insure your property at "Replacement Cost," which maintains the value of your "stuff."

4. Many internet only companies do not actually have a home insurance product. Be sure to use a company that offers both home and auto insurance directly from their company. Most companies even discount for bundling!

Posted 6:33 PM

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