Not all homeowners need to be concerned about lead in their drinking water.

But homeowners need to be alert to special conditions that can also lower taxes.

When homeowners need more room, they build an addition.

It was much bigger than the average homeowner would ever need.

But homeowners need to be careful not to over-improve, experts say.

After that, exterior inspections should go quickly because the homeowner need not be present.

And "that could happen at a time when the homeowner needs it the most," he added.

Any homeowners wishing to make a change may also need to start out by realizing they are asking for an exception, not a right.

At the same time, he said, many homeowners need more than just basic coverage.

The new limits are much different from the ones that homeowners need to adhere to on their 1987 returns.