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What Does Homeowners Insurance Really Cover?

Everything you want to know about smoking pipes


What Does Homeowners Insurance Really Cover?

Homeowners insurance can be confusing,To determine if this is enough, take an
to say the least. Here's a quick rundowninventory and total up the value of
on what homeowners insurance covers ineverything you own.
simple terms.What is additional living expenses
What Does Homeowners Insurance Cover?coverage?
Homeowner insurance covers theAdditional living expenses coverage pays
following:your expenses when your home has been
1. The structure of your home and otherdamaged by fire, vandalism, plumbing
structures on your landleaks, or storms, and you need to live
2. Your personal property - furniture,elsewhere. It covers your hotel and
clothing, electronics, appliances, etcrestaurant bills plus other living
3. Your additional living expenses whenexpenses.
your home is damaged and you need toStandard policies provide additional
live elsewhereliving expense coverage equal to 20% to
3. You, when someone is hurt and you're25% of your home structure coverage.
found to be at faultWhat is personal liability coverage?
What is home structure coverage?Personal liability coverage protects you
Home structure coverage pays to rebuildfrom lawsuits when you, your family, or
or repair your home after it's beenyour pets injure someone or damage their
destroyed or damaged by vandalism, fire,property. It pays for the other person's
plumbing leaks, or storms. The amount ofmedical expenses and property damage
home structure coverage you need shouldexpenses, plus your court costs and
be enough to rebuild your home.legal fees.
To figure out how much coverage youStandard policies provide a minimum of
need, call a local real estate agent or$100,000 worth of coverage, but if you
builder to find out the square-foothave a lot of assets to protect you can
building costs in your area. Thenpurchase additional coverage.
multiply that figure by the squareWhere can I get cheap homeowners
footage of your home.insurance?
What is personal property coverage?The easiest way to get cheap homeowners
Personal property coverage pays toinsurance is to comparison shop online,
replace your personal possessions afterand the best way to do that is to visit
they've been stolen, or damaged by fire,an insurance comparison website where
vandalism, plumbing leaks, or storms.you can get rate quotes from a number of
The amount of coverage you need shouldinsurance companies all in one place.
be enough to replace all your personalSome of these sites even let you talk
property. Standard policies providewith insurance experts who can answer
coverage equal to 50% to 70% of theall your questions and give you
amount of your home structure coverage.money-saving advice. (see link below).



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