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Home Owners Insurance

Next to the actual purchase of your home, home owners insurance is probably the most important purchase a homeowner will make. Finding the right home owner's insurance policy will help protect your home, possessions and even your family from many natural disasters, man-made events and even burglary. If you are on the market for home owners insurance it important to shop around for the best deal from a highly reputable insurance company. With InsuranceQuote.com, shopping online for home owners insurance has never been easier. Simply fill out a short questionnaire and InsuranceQuote.com will search top-rated insurance companies for the lowest home insurance quotes available.

Facts about Home Owners Insurance

Owning a home can be very stressful. Depending on where you live, your home is under constant attack from natural events, such as storms, reckless drivers and even neighbors. Having good home owners insurance will help you protect your home and possessions in the chance they need repaired or even replaced. Following are some important facts about home owners insurance every home owner should know.

  1. The Standard Policy - The standard home owner's insurance policy will cover the structure of your home and your personal belongings from damage from natural events, such as hurricane, fire, hail or other disasters listed in your policy. Unfortunately, most home owners insurance will not cover earthquakes and floods, and the home owner will have to get additional coverage for these events. The standard home owner's insurance policy will also offer liability protection in the chance that someone is injured on your property or a member of your family destroys someone else's property.
  2. Condos and Co-ops - If you own a condo or live in a co-op you will actually need to acquire two separate home owners insurance policies. The first policy will cover your personal possessions and the interior of your home. The second policy should be provided by the condo or co-op association and is considered the "master" policy which covers any exterior portions and common areas of the building. The cost of the master home owners insurance should be included in your monthly association dues.
  3. Flood and Earthquake Insurance - The standard home owners insurance will not cover homes if they are damaged by flood or earthquakes. The main reasons for this is that most people do not live in areas where floods and earthquakes are common events and therefore the cost of having these policies is not always justified. Even if you do not live in areas that are commonly affected by flood, you may still want to consider flood insurance if there is a possibility due to melting snow or ice. In turn, if you live near a fault line, you may want to consider earthquake insurance - even if the fault line is not active.
  4. Inventories - It is important to take an inventory of all your personal possessions so you can be reimbursed properly should your home be destroyed or burglarized. Gain a complete understanding of what your possessions are worth. For art, jewelry and other high-dollar items you may want to have the items appraised to know for sure. To be certain that you are reimbursed for the possessions, take pictures or even video of your possessions and store them in a safe place, away from your home, in case you need them.

These are just a few facts that will help you better understand your home owners insurance. Having a good home owner's insurance policy is not only a good decision, it is required if you have a mortgage on your home. When you are ready to buy home owners insurance, visit InsuranceQuote.com, we will search top-rated insurance companies and find you several low-cost home owners insurance quotes that you can choose from - and all from the comfort of your own home.

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