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Home Insurance

You put a lot of time and money into your home.  Home insurance is one means to protect your investment.  Understanding your personal needs, you bring together a package of different coverages to provide as much protection as you feel necessary.  Home insurance can protect you from damages to your home, its contents or even from financial liability if someone outside of your household is injured and you are found to be responsible. Taking the time now to understand home insurance will help you to fend off potential financial misfortune in the future.
 
A basic home policy covers perils, which are specifically named risks such as lightning, theft, fire, smoke, wind and explosion. One thing to remember with this type of policy; any risk that is not mentioned specifically in your policy is not covered. From some insurance companies you are able to purchase special policies that cover the house for all perils except those explicitly excluded by the policy though, such as pet damage. The chart below illustrates typical coverage under MetLife Auto & Home's standard home.

 

 

 

COVERAGE
  • Dwelling which includes Residence, attached/built-in garage

  • Other Structures Includes structures you own that are not attached to the house, such as storage sheds, fences and barns. Motor vehicles such as your lawn mower or motorized wheelchair are covered, but your automobile must be covered by a separate auto insurance policy.

  • Personal Property Covers damage, theft (some items subject to special limits) or destruction of items such as televisions, stereos, furniture, etc.

  • Additional Living Expenses Covers the additional costs of living in case you have to move out of your home and live in a hotel or rental while it is being repaired for a covered loss.

  • Basic Liability Insurance and Medical Payments to Others Covers expenses in the event you are found to be legally responsible for damages or injuries to others, on or off your property.

  • Exclusions and Additional Coverage

Property and liability of tenants, roomers or boarders.  Tenants may opt to purchase  renters insurance.

Business liability for damages resulting from home business activities and professional services.  Talk to your insurance agent about separate business-related coverage.

Lightning damage to trees, plants, shrubs and lawns.

Debris removal (for example, removal of wind damaged trees that have fallen and are leaning on your house).

You can add to your package by purchasing additional coverages, such as:   

  • Jewelry
  • Earthquake
  • Flood (must be purchased separately from the federal National Flood Insurance Program).
  • Reasonable repairs to prevent a further loss, such as boarding-up a hole in your roof damaged by fire to prevent rain from getting inside.

Home Insurance representatives need certain information about you and the property before they can tell you if they'll write a policy and how much it will cost.

So think about protecting the home you purchased. Most buyers get a comprehensive homeowner's insurance policy, which provides coverage for fire damage, water damage (not by flooding), personal possessions, personal liability, vandalism, theft, and loss of use of the house. If you are financing your home purchase, your lender will require you to buy at least basic hazard insurance. So start shopping for home insurance as soon as you sign the purchase contract so you're not stuck if the insurance carrier you choose refuses to insure your home-the best place in world.

 
Home Insurance   Homeowners Insurance
Home Owners Insurance   Owners Insurance
Family Insurance American Family Insurance
Social Insurance   Social Insurance Number
Property Insurance   Guardian Insurance
Home Contents Insurance    
 

US States Offers Home Insurance

Alaska Home Insurance Nebraska Home Insurance
Alabama Home Insurance Nevada Home Insurance
Arkansas Home Insurance New Hampshire Home Insurance
Arizona Home Insurance New Mexico Home Insurance
California Home Insurance New Jersey Home Insurance
Colorado Home Insurance New York Home Insurance
Connecticut Home Insurance North Carolina Home Insurance
Delaware Home Insurance North Dakota Home Insurance
Florida Home Insurance Oklahoma Home Insurance
Georgia Home Insurance Ohio Home Insurance
Hawaii Home Insurance Oregon Home Insurance
Idaho Home Insurance Pennsylvania Home Insurance
Illinois Home Insurance Rhode Island Home Insurance
Indiana Home Insurance South Carolina Home Insurance
Iowa Home Insurance South Dakota Home Insurance
Kansas Home Insurance Tennessee Home Insurance
Kentucky Home Insurance Texas Home Insurance
Louisiana Home Insurance Utah Home Insurance
Maine Home Insurance Vermont Home Insurance
Maryland Home Insurance Virginia Home Insurance
Massachusetts Home Insurance Washington Home Insurance
Michigan Home Insurance West Virginia Home Insurance
Minnesota Home Insurance Wisconsin Home Insurance
Mississippi Home Insurance Wyoming Home Insurance
Missouri Home Insurance Washington D.C. Home Insurance
Montana Home Insurance  

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