Historically insuring where you live costs less than insuring what your drive. Although this is finally starting to change it is still a huge bargain considering just what is at stake. So, you buy the insurance to do what? Cover this structure that you live in, keep your stuff in, raise a family in, make memories in, develop equity in, make neighborhood friends, decorate for holidays, renovate, customize, etc. Yes, all those things and probably more. So that is what insurance does.
What is it? It is protection so that an occurrence that typically happens in a moment does not have any long term, negative financial impact. So while it is protecting you from a bad moment it is NOT; a maintenance policy, a way to profit on a bad moment, a chance to collect a check and let your house suffer.
Now when people need money, the economy is “bad” and maintenance has been deferred claims go up. What most of these people fail to realize or are not told is when you file a claim the odds of your rates going up are really good. So although you may collect in the short term you will pay in the long term.
So what is the lesson in this, here it comes; Insurance is a bargain and does so much for you and yours do not abuse it. When using the insurance, use it for what it is meant to be used for, making sure a bad moment does not last any longer. It is not to maintain your home it is to make sure your home/house can be brought back to what it was before the instant. Heck, if you cannot do $1000 in work on your house or afford $1000 in work on your house maybe you should not own a house.
Just some ideas of course use at your discretion.