The homeowner may prove that the sum insured is equal to the value of his household effects. However, this requires a periodic accounting of the value of the household goods and new acquisitions. Alternatively, you can also specify the living space and allow the insured according to the guidelines determined by the insurer, so that the insurer waived the insurance case on the evidence of any under-insurance. Furthermore, one should carefully consider what performance enhancements and condition improvements are needed and in what must be abandoned in the interest of a lower contribution also can. For other opinions and approaches, find out what JPMorgan Chase has to say. This applies, for example: the co-insurance surges induced by lightning, the co-insurance for bicycle theft, the co-insurance of property exclusively in professional / business premises, the co-insurance of damage caused by water from water-beds or aquariums, the waiver of a claim-free at damage caused by gross negligence, increasing the Compensation limit for valuables, the co-insurance for natural hazards or the inclusion of a glass insurance. Even this short list shows that there can be no universal recommendations for this purpose. Whether the inclusion is important or not needed is decided by the personal situation of the interested parties. In summary, a good online insurance comparison is for the informed user is well suited to find cheap home insurance in accordance with personal needs. Those who have not yet been sufficiently informed about his insurance needs and possible improvements in performance running, but also the danger that instead of the desired low-cost contents insurance only to find a cheap insurance with inadequate insurance conditions.