Home Insurance can be a little confusing because it can cover a variety of things. Let’s seperate out different things that may be covered by your policy.

The Home Insurance Page of The Insurance Rate Has More Information.

Homeowners Insurance: This protects the property you own, plus contents. Make sure you are aware of any set deductibles and limits on coverage. I knew a woman who received an expensive engagement ring and had to increase the limits on her contents insurance coverage. Also be aware of any limitations and exclusions. Some homeowners policies are not covering floods anymore. Homeowners insurance may also protect you against negligance or accidents on your property that you are sued for.

Renters Insurance: Even though you don’t own the building, you will want to protect you TV, computer, and other personal items. This is usually contents insurance, but it probably also protects you against negligance or accident claims.

Your insurance may also give you money to relocate if you cannot live in your home, or even money to rent while your home is being repaired.

Please Read The Full Home Insurance Policy Article Here.

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