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I found this article and thought it actually has some great advice. Take a look!

We are all concerned with saving money and it is important to shop around when looking for insurance coverage. However, simply reducing your coverage or dropping important coverages altogether can leave you dangerously underinsured in the event of a disaster.

Read More:
http://www.iii.org/articles/five-insurance-mistakes-to-avoid-and-still-save-money.html

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I can't thank you and the fire survivors group enough for what you provided me as well as countless others in this process. What I learned from you gave me the confidence to move forward. Especially with the insurance company. Knowing what to expect and how to build my case made me comfortable enough to proceed without waiting to see how insurance shook out.

Harris Fire Survivor, 2007