1.Analyze your homeowners insurance to see if there's any coverage you

have that you can do without.



2.Take higher deductibles.



3.Show your insurance company that you're taking action to reduce the

risk of mold-related damage.



4.Condo owners need to know what the condo association covers so as

not to double insure.





5.Buy earthquake insurance from insurance carriers that write only

earthquake insurance. They usually have lower rates than carriers that

offer a variety of policies.



6.Flooding is the most common type of natural disaster, whether or not

you're close to any lake, river or ocean. Consider flood insurance,

even if you're not required to buy it.