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Homeowner's Insurance Tips

Feel free to use this tip sheet / checklist as you tackle your own ""do-it-yourself"" organizing projects. If you would like to REPRINT or DISTRIBUTE this information, please click here for reprinting instructions.


  • replacement cost (replaces property up to a set dollar amount)
  • guaranteed replacement cost (replaces property with no limit)
  • actual cash value (replacement value minus depreciation)


  • excellent customer service
  • a good reputation
  • an excellent financial rating with AM Best or S&P
  • diligence in handling claims


  • shop around -- quality service is as important as a competitive rate
  • raise your deductible
  • buy your home and auto policies from the same insurer
  • choose a newer home with better construction near a fire station
  • insure your house, not the land
  • improve home security and safety
  • stop smoking
  • seek out discounts for seniors
  • look for group coverage through alumni and business associations
  • stay with an insurer for at least 3 to 6 years
  • compare policy limits to value of your possessions once a year
  • in high-risk areas, use private insurance before a government plan


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