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What Does Homeowners Insurance Really Cover?

Homeowners insurance can be confusing, to sayStandard policies provide coverage equal to
the least. Here's a quick rundown on what50% to 70% of the amount of your home
homeowners  insurance covers in simple terms.structure coverage. To determine if this is
enough, take an inventory and total up the
What  Does  Homeowners  Insurance  Cover?value  of  everything  you  own.
Homeowner  insurance  covers  the  following:What  is additional living expenses coverage?
1. The structure of your home and otherAdditional living expenses coverage pays your
structures  on  your  landexpenses when your home has been damaged by
fire, vandalism, plumbing leaks, or storms,
2. Your personal property - furniture,and you need to live elsewhere. It covers
clothing,  electronics,  appliances,  etcyour hotel and restaurant bills plus other
living  expenses.
3. Your additional living expenses when your
home is damaged and you need to liveStandard policies provide additional living
elsewhereexpense coverage equal to 20% to 25% of your
home  structure  coverage.
3. You, when someone is hurt and you're found
to  be  at  faultWhat  is  personal  liability  coverage?
What  is  home  structure  coverage?Personal liability coverage protects you from
lawsuits when you, your family, or your pets
Home structure coverage pays to rebuild orinjure someone or damage their property. It
repair your home after it's been destroyed orpays for the other person's medical expenses
damaged by vandalism, fire, plumbing leaks,and property damage expenses, plus your court
or storms. The amount of home structurecosts  and  legal  fees.
coverage you need should be enough to rebuild
your  home.Standard policies provide a minimum of
$100,000 worth of coverage, but if you have a
To figure out how much coverage you need,lot of assets to protect you can purchase
call a local real estate agent or builder toadditional  coverage.
find out the square-foot building costs in
your area. Then multiply that figure by theWhere  can  I get cheap homeowners insurance?
square  footage  of  your  home.
The easiest way to get cheap homeowners
What  is  personal  property  coverage?insurance is to comparison shop online, and
the best way to do that is to visit an
Personal property coverage pays to replaceinsurance comparison website where you can
your personal possessions after they've beenget rate quotes from a number of insurance
stolen, or damaged by fire, vandalism,companies all in one place. Some of these
plumbing  leaks,  or  storms.sites even let you talk with insurance
experts who can answer all your questions and
The amount of coverage you need should begive you money-saving advice. (see link
enough to replace all your personal property.below).



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