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    1. Make a clear, specific commitment to what you want. Put your commitment in writing and post it where you can see it often.2. Determine what has to happen and what changes are required to get new results.Consider the
    overage on personal property. Thus your coverage for personal property would be $120,000.

    Now, what you have to decide i

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    If you have home insurance or are shopping for a home insurance quote, you may be wondering if your personal belongings -- furniture, computers, bicycles -- are also covered. The answer is yes, but to a limit.

    Most standard home owner insurance policies also provide coverage for your personal possessions. Usually, this coverage is a certain percentage of the coverage you have on the actual home. For example, you may have $200,000 coverage on your home -- or "dwelling" -- and 60 percent coverage on personal property. Thus your coverage for personal property would be $120,000.

    Now, what you have to decide is

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    -- furniture, computers, bicycles -- are also covered. The answer is yes, but to a limit.

    Most standard home owner insurance policies also provide coverage for your personal possessions. Usually, this coverage is a certain percentage of the coverage you have on the actual home. For example, you may have $200,000 coverage on your home -- or "dwelling" -- and 60 percent coverage on personal property. Thus your coverage for personal property would be $120,000.

    Now, what you have to decide i

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    rance policies also provide coverage for your personal possessions. Usually, this coverage is a certain percentage of the coverage you have on the actual home. For example, you may have $200,000 coverage on your home -- or "dwelling" -- and 60 percent coverage on personal property. Thus your coverage for personal property would be $120,000.

    Now, what you have to decide i

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    age you have on the actual home. For example, you may have $200,000 coverage on your home -- or "dwelling" -- and 60 percent coverage on personal property. Thus your coverage for personal property would be $120,000.

    Now, what you have to decide i

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    overage on personal property. Thus your coverage for personal property would be $120,000.

    Now, what you have to decide is if that's enough coverage. Make a list of your personal belongings and what you estimate it would cost to replace them if they were stolen or destroyed in a disaster. If you think you'll need more coverage, you can get higher limits on your policy.

    Here's another thing to keep in mind. You can get coverage for personal property on an actual cash value or replacement cost basis. Actual cash value will pay to replace your possessions minus any depreciation -- up to the limits in your home owner

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