Homeowners' insurance policies typically insure the contents of the home for a percentage of the structure's replacement cost. But chances are your furnishings and other "stuff" haven't increased in value as rapidly as your home has appreciated over the past three or four years. As a result, you may be able to shave something off your escalating insurance premium by reviewing the inside coverage amount.
Most experts agree that caulking and weather stripping any gaps will pay for itself within one year in energy savings. Caulking and weather stripping will also alleviate drafts and help your home feel warmer when it’s cold outside.