16 Jan 2024 3:40 pm
If you own your house then drop the liability, switch from RC to ACV. It will drop your personal property value down, but all your possessions will be covered. Having a narrative video to document your possessions and schedule any expensive items over $2500 with written estimates from an appraiser will help you to recover as much in value as you can. Don't add medical or drop the min coverage to $1000. That is a couple $$$ a year in premium.Skans » 12 Jan 2024, 10:47 am » wrote: ↑ If I could find an insurance company that would ONLY cover the value of my house and contents in case of fire, I'd opt for that. As it is, I'm thinking of getting rid of home owner's insurance.