With additional expenses for medical care, and the possibility of lost income, it makes even more sense to protect yourself from losses as inexpensively as possible. This involves the following steps:

Step 1:         Determine how much insurance you need.

Step 2:         Think about various methods for saving money on a Homeowners
                      insurance policy

Step 3:         Comparison shop.

Make notes about what the insurance broker or company tell you concerning the coverage you buy.  Keep the notes together with any promotional material you are given. 

Don't assume coverage exists until you get a copy of the policy or at least written confirmation from the insurance company that the coverage exists.  A cancelled check does not prove that a policy exists.

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