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.
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.