Following a year of natural disasters, from Hurricane Fran in the East to the Southern California wildfires in the West, many homeowners now find themselves worried about losing insurance coverage for future disasters. Premiums are skyrocketing, and policies are being revoked in "high-risk areas" as insurers determine they took on too much risk too cheaply in recent decades.

Some insurers are limiting new policies in certain areas or are dropping as many policies as they are allowed to under state laws.How can you protect yourself from being dumped into the alternatives - a state pool or an unregulated company?

RAISE YOUR DEDUCTIBLE - A higher deductible offers you a dual benefit: It cuts both your premium and the risk of building up a frequent-claim history that could provoke an insurer to drop you.

WATCH YOUR FREQUENCY - Sure, you're entitled to submit a claim after years of faithfully paying premiums. But frequent claims will mark you as a high risk.

REVIEW YOUR LIABILITY - Homeowners' policies typically include $100,000 to $300,000 in liability coverage to pay damages if you're sued by someone who's injured at your home. You may want to add a $1 million umbrella-liability policy, which also protects you from claims arising from auto accidents.

COVER YOUR HOME OFFICE - Don't assume it's automatically covered, especially if it's a full-fledged business. Many insurance companies will bump up your home-office coverage for a small increase in your premium, maybe $20 per year.

GET CREDIT FOR BEING A GOOD BET - Make yourself a better risk and then make sure to get any discounts the insurer offers. Install storm shutters, if warranted. Burglar and smoke alarms can earn discounts of 3 percent to 12 percent. If you make improvements - such as replacing old wiring - make sure your insurer knows about them.

REMODEL YOUR POLICY - If you renovate your house, notify your agent right away so your policy can be increased to reflect the home's higher value.

DON'T OVERINSURE - Don't insure your house for its market price - which includes the land - but for its replacement cost. An agent should help you arrive at the correct figure.

COMPARE PREMIUMS - Call around and check prices at least every other year. You may find a better policy at a better price.