If you think your home insurance is too expensive, or if you are shopping for home insurance, make sure you understand what you need so you can make an informed home insurance shopping decision. First, compare home insurance to learn what type of coverage you need.

Homeowners insurance: If you are a homeowner, and you live in your home, you probably are looking for coverage for your building, contents, plus some liability insurance. This is a typyical homeowners insurance policy.

Renters insurance: If you rent the home or apartment, you just need to cover your belongings and have some liability. The owner should cover the building with landlord insurance.

Condo insurance is similar to renters insurance, even if the insured person owns the condominium unit. Most of the time, the condo association covers the building, so individual owners only need to cover the inside of the structure and their belongings, plus have some liability.

If you are not sure what you need, find a qualified local insurance agent to help you. If your premiums have just been raised, or if you want to see if you can lower them, consider raising your deductible. But make sure you have the money or credit to cover any damage in case you need to make a claim.

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