Many homeowners are not adequately adjusting their policy to cover the new value of their home. Often, the only time people review their homeowners insurance is when they first purchase the home.

185

Homeowners should review their policy each year on renewal to make sure they have enough coverage to rebuild their house in the exact style and quality of the original home. Raw materials such as lumber and stone continue to rise as do labor costs for construction.

178

With people away from their homes -- at parties, shopping or just at work -- the holidays can be an open invitation for burglars. Homeowners can help stop these crimes by installing and using a home security system or by attaching motion sensors to their outdoor lighting.

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Hands-free phones aren't risk-free. The major distraction with mobile phones is the conversation and making and receiving phone calls, so drivers are similarly distracted whether they use a conventional cell phone or a hands-free device.

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