Nick and Amber Chandler recently had a fire in their garages that destroyed two of their cars and did considerable damage to the garage and to the outside of their home. After receiving their reimbursements from their homeowners and automobile insurance policies, the Chandlers realized that they were seriously underinsured. One vehicle was not insured for fire, and the insurance on their dwelling amounted to only 60 percent of its current replacement value. How do you recommend to Nick and Amber about managing property and liability risk regarding the use of deductibles and policy limits to keep their automobile insurance premiums at a manageable level while still maintaining vital coverage