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.
Air conditioners are rated by the number of British Thermal Units (Btu) of heat they can remove per hour. Another common rating term for air conditioning size is the “ton,” which is 12,000 Btu per hour.