When setting up or reviewing your policy:

• Choose higher deductibles if you have the financial resources to do so.
• Check to see what valuables you may have as scheduled articles and consider whether or not you would like to incorporate those into the main policy or whether a special limits endorsement would suffice.
• Inquire about discounts, such as a mortgage-free or monitored alarm discount.

When your policy is in force:

• Avoid filing minor claims if you can afford to pay for the damage out of existing resources.
• Protect your insurance record and avoid untimely cancellation by paying your premiums on time.