March 15 is thought to be a risky day because Roman Emperor Julius Caesar was assassinated on this date in 44 B.C. Shakespeare thus wrote "Beware the Ides of March." So, take his advice and be careful today (and every other day) -- especially when it comes to homeowners' insurance. If you use it, you could lose it, particularly if you use it too often. Insurance companies have begun keeping track of you with a new database program called "CLUE." It stands for comprehensive loss underwriting exchange, and is designed to catch repeat claimants. Like your credit report, it tracks what you do and insurers use it to gauge your insurance history. If you've made a recent water-leak claim and one for roof damage and also reported a lightning strike and yet another leak, they will be on to you. You'll either pay more or be out the door. But, also, as with credit reports, you're entitled to check yours (for free) once a year for mistakes. To do so, go to Choicetrust.com and order online. It's also available by phone or mail. For more tips, visit our Web site at Onthehouse.com.