 TITLE: 9 Ways to Save Money on Homeowners Insurance CONTENT: 7\\. Modify your coverage\n------------------------\nHomeowners insurance includes structure insurance, liability insurance, personal property insurance for the home's contents, and additional living expenses coverage that can pay for you to live elsewhere if your home becomes uninhabitable. You can select different levels and dollar amounts for each type of coverage. Coverage that pays more in the event of a claim will have higher premiums. For instance, personal property insurance that covers only the current value of damaged possessions costs less than coverage to replace them with brand-new items. END