Always, always, always protect your home, and yourselves, by getting property insurance. Should something happen—either to your home or to detached structures like the garage—you can make a claim and recoup the cost of your loss (not only the building itself but also the valuables you keep inside, such as furniture and clothing). Your insurance policy also protects you against personal liability if anyone gets hurt climbing your icy front steps in the winter or table dancing in your dining room. (Ahem.) To get the most from your home insurance, learn from these dos and don’ts.

DO shop around. Not all insurance policies are alike. And while prices vary, be wary of lowballers—you may get exactly what you paid for.

DON’T omit any details on your insurance application. Insurers have access to several databases that they can use to check up on your claims history, so honesty is the best policy.

DO ask your insurance provider what the policy doesn’t cover. Every policy has exclusions—find out what they are.

DON’T sweat the small stuff. Avoid making small claims, such as fixing that burn hole in your carpet, as these go on your record and can result in higher renewal rates or non-renewal of your coverage.

DO take steps to prevent losses from occurring in the first place. Often referred to as “risk management,” this can be as simple as installing deadbolt locks on your front door. The more measures you take to protect yourself and your property, the lower your insurance rates will be.

DON’T switch insurance providers before your policy comes up for renewal. You may have to pay a penalty for cancelling your coverage prematurely.

DO review your insurance needs each year. Your circumstances may change and should be reflected in your insurance coverage.

DON’T cancel your policy by defaulting on payments. You’ll be considered a risk and charged a higher rate. If you decide not to renew, notify the insurer in writing.