Updating my home

Some states require insurers to explain why they’re non-renewing you.

To find out what the laws are in your state, start by checking with the agency that oversees (“regulates”) insurance companies.

“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 glossier the paint, the more it will resist moisture — and you can simply wipe it clean when dinner is over. According to Scott, you can get a new laminate surface for a few hundred dollars. You might be surprised by the nicer laminate options (like this marble lookalike) that have surfaced since you last shopped for counters.

If your home and property was severely damaged or destroyed, you may be thinking about adjusting your insurance coverage to avoid wasting money insuring things that no longer exist.

Each state has rules on when and how your insurer must notify you (and your mortgage company) before cancelling your policy.

A cancellation can be deemed invalid if the insurer did not give proper notice.

"These things are like jewelry for your kitchen," Scott says.They may discourage you from reducing or changing your coverage or they may recommend tailoring your policy to your current situation.The only way to know if their recommendations are in your best interest is to ask good questions and get clear answers before you make changes to your current policy."You can always move them around or put them away."7. New drapes can really spruce up a space, but think twice about the type of treatment you hang on the window above your sink."You don't want something with too much fabric that could get ruined from splashing," says Scott.

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