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• Structural coverage should be equal to or greater than 80 percent of the value of your home.
  
  
• Review your homeowners coverage at least annually to be sure that it is adequate and that the coverage has been adjusted  for appreciation.
  
  
• Coverage on furniture, personal possessions, collectibles, jewelry, etc. should be equal to their replacement cost.
  
  
• Purchase replacement cost coverage rather than actual cash value coverage.  Obtain replacement cost coverage on the home, furniture, and personal possessions.
  
  
• Inventory all household articles by item, description, purchase date, cost, and appraised value, if any. Consider making a video recording or taking photographs of household articles and keeping them with the inventory.  The inventory and the video recording or photographs should be kept off-site in a safe deposit box or in some other safe location.
  
  
• Purchase a personal articles floater to insure expensive personal items, such as collections and jewelry.
  
  
• If you own a personal computer find out whether the policy covers damage to software and hardware caused by a power surge or software virus, and theft or damage to laptops and notebooks outside your home.  If the policy doesn’t provide coverage you may be able to buy a rider that does.
  
  
• Ask your agent to explain the details of your coverage and whether all covered items have to be included in your policy.
  
  
• Do not purchase earthquake and flood insurance unless you are in a government- designated earthquake zone or flood plain.
  
  
• If you are renting, purchase a tenant’s policy.
  
  
• If you own rental property, consider purchasing an owners, tenants and landlords policy.
  
  
• Your premiums can be reduced by raising the deductible to $500 or more.
  
  
• Consider liability coverage of at least $300,000.
  
  
• If you own a condominium consider obtaining coverage to help cover your responsibility as a unit owner to pay some of the homeowner association deductible or uninsured loss incurred by the association and assessed to you as a unit owner.  The loss must be a result of a peril covered under the unit owner policy.  Carefully compare your personal insurance contract with those of the association to identify possible gaps in coverage.