Home Owner Insurance Policies
Selecting the best protection for your home should not be complicated. To assist you, home insurance companies provide a variety of policy options. Most homeowners insurance policies can be customized to fit your home protection needs. Determining the one that is the best fit for you should be as easy as assessing your individual needs and getting the best coverage at the most affordable price.
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Typically, home insurance policies provide varying levels of coverage for your home and any structures on your property, personal belongings, and personal liability.
Home Insurance Policy Coverage
- Basic coverage:
- fire/lightning
- windstorm or hail
- explosion
- riot/civil commotion
- damage caused by aircraft
- damage caused by vehicles
- smoke
- vandalism
- theft
- volcanic eruption
- Broad, or comprehensive, coverage:
- includes the items listed in Basic
- falling object
- weight of ice, snow or sleet
- accidental overflow of water (plumbing, heating, appliance, etc)
- sudden and accidental damage to hot water heating system, air conditioning or fire-protective system
- freezing of plumbing, heating air conditioning, etc.
- sudden and accidental damage from artificially generated electrical current
- replacement cost if you need to rebuild your home
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When you purchase a home, if you have a mortgage, the lending company will require at least basic home insurance coverage to secure your loan. Whether you choose basic or comprehensive, the coverage amount you purchase should factor in the cost of your home and the value of your personal belongings.
Be aware that if you live in an area that is high risk for flooding or earthquakes, you will need to purchase additional coverage for these threats. Earthquake and flood insurance are not included in a standard home insurance policy.
It’s helpful to take an inventory of your personal items and their estimated value. This will provide you with the amount of coverage you need, as well as serve as a record of your items should they be damaged or stolen.
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Home Insurance Basics is not an insurer and cannot issue home insurance policies. This site provides free information about home insurance policies and companies. The companies detailed have not endorsed or sponsored these pages. Products and services may not be available in all states.
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