Updating my home

But any time you ask an insurer to reduce your coverage, you’re taking a risk that you’ll end up underinsured. These tips aim to help you make the right decision for your individual situation.

Factors to consider: Your insurance agent or company representative should help you adjust your coverage to avoid wasting money while keeping important protections in place.

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Many people are afraid that if they reduce or cancel their coverage after a loss they won’t get it back when they need it.That may be a justified fear if you live in an area that’s been hit repeatedly by natural disasters.“Non-renewal” is when your insurance company tells you they won’t be renewing your coverage when the current policy expires.In most states, your insurer is free to non-renew you with or without cause."The average backsplash is between 10 and 40 square feet." His point: It's an easy-to-tackle area that won't break the bank.

"Even if you're spending a square foot, you're talking about a couple hundred bucks in tiles."Don't have the skills to install tile or cash for a contractor? Just make sure you pick up a semi-gloss, Kristy adds. This job is less expensive than you think — and it can make ho-hum cabinets look more special.The countertop was black, so she picked a light gray for the uppers and lime green for the lower cabinets to brighten things up. "Replacing existing doors with glass-paneled ones looks like a major upgrade," Scott says. "If I'm painting a room light gray, I'd add an accent wall that's two shades deeper."5. If you're irked by your kitchen's decades-old light fixture, replace it with a colorful pedant."Citrus-like colors — orange, yellow and green — look great in a kitchen," she says. Opt for frosted glass, if you feel like your shelves aren't display-worthy. Since lighting is so important in any room, this one change can totally transform the entire space.Look for colorful options or Scott's favorite, a brushed nickel finish.But resist the temptation to get something too personal or cutesy.(Triple duty, if you count covering any ugly flooring! Kristy suggests an indoor/outdoor option from Chilewich.