It's quite possible you have more than $30,000 of personal possessions.

Normally, $4,000 is the threshold at which you can drop collision and comprehensive.

But the sprinkler systems aren't cheap.

You might find these systems are so expensive that it doesn't equal the savings.

You want to insure that if [your home] is completely destroyed, you can replace it. That means looking at building costs, and these building costs go up and down.

That lead disappeared in a hurry, didn't it? We got a couple of key possessions, and managed to get the lead back pretty quickly.