Do NOT cut corners on this one!
I know that people are trying to cut corners and save money on as money things as they can, but cutting corners on home insurance is a bad idea. Shopping for good prices on home insurance online is a smart thing to do, however. Especially since the replacement prices on homes are changing with the economy. Several years ago my mother-in-law had a kitchen fire that damaged a lot of her kitchen. Thankfully her home insurance paid for the repair and replacement of everything that was damaged. I can’t even begin to imagine how horrible it would be to have something like that happen to my house and not have the money to repair it!