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also promotes its national Internet as a cost-saving measure for consumers and as a way to uphold Islamic moral codes. In February, as pro-democracy protests spread rapidly across the Middle East and North Africa, Reza Bagheri Asl, director of the telecommunication ministry's research institute, told an Iranian news agency that soon 60% of the nation's homes and businesses would be on the new, internal network. Within two years it would extend to the entire country, he said. The unusual initiative appears part of a broader effort to confront what the regime now considers a major threat: an online invasion of Western ideas, culture and influence, primarily originating from the U.S. In recent speeches, Iran's Supreme Leader Ayatollah Ali Khamenei and other top officials have called this emerging conflict the "soft war." On Friday, new reports emerged in the local press that Iran also intends to roll out its own computer operating system in coming months to replace Microsoft Corp.'s Windows. The development, which couldn't be independently confirmed, was attributed to Reza Taghipour, Iran's communication minister. Iran's national Internet will be "a genuinely halal network, aimed at contractor's word on this. Ask for insurance certificates. Check with the contractor's insurance company to verify that the policy is still in force, says Mark Ginther, assistant vice president for underwriting policy at USAA.2. Will I lose insurance coverage if I temporarily vacate my home?A large-scale remodel may require you to leave your home for several days or weeks while the work is completed. If you're gone for longer than a month, your insurance company could consider the home to be "vacant," negating your standard homeowner policy coverage, Gontjes says.Even if a contractor is on the property site during the day, your insurer may reject a claim if no one is living in the home, he says. Some insurance companies consider an unoccupied house to be vacant after 30 days, while other insurers use a timeframe of 60 days.Check with your agent to make sure you're covered before leaving the property for an extended period, Gontjes says. If necessary, protect your home by buying a vacant home insurance policy. This type of coverage usually costs more than a standard policy because vacant homes represent more risk."The property doesn't usually have someone looking after it for an extended period of time, especially at night," he says.Gontjes says the cost of a vacant home policy depends on the state you live in and the options you choose, but premiums could be 50 percent or even 100 percent higher than for a standard home insurance policy.Fortunately, you probably won't have to pay a higher premium for long."The average vacant policy is on the books for only six months," Gontjes says.3. Is my insurance coverage too low to protect my renovations?Major remodels, such as finishing a basement or upgrading a kitchen, can add thousands of dollars in value to your home. Update your home insurance policy to make sure these improvements are covered, Ginther says.Even if you don't think a renovation will increase the value of your home, you'll probably still need more coverage, he says. Insurance coverage levels are based on the amount of money you would need to rebuild your home and replace the contents, not the home's overall ma