You want to insure that if [your home] is completely destroyed, you can replace it. That means looking at building costs, and these building costs go up and down.

It’s quite possible you have more than $30,000 of personal possessions.

You might find these systems are so expensive that it doesn’t equal the savings.

But the sprinkler systems aren’t cheap.

Normally, $4,000 is the threshold at which you can drop collision and comprehensive.