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Pick a home insurance policy
Choose coverage to protect your house and sense of security
Choosing the right homeowner’s insurance policy is essential. Your policy protects against a wide range of scenarios, from fires to accidents. However, the protection that you get depends on the type of coverage, the limits, your deductible, and other policy details.
You’ll also likely want to consider the cost of home insurance. If you want the best price, you’ll also need to compare quotes. We can compile a selection of quotes from the top insurance providers. First, you’ll need to consider the type of home insurance coverage that you want.
Common home insurance coverage
Home insurance policies offer coverage for your main dwelling and any other permanent structures on your property. This typically includes garages and sheds. You may also receive coverage for your personal belongings and medical costs if someone should suffer an injury on your property.
To help you find the right homeowner’s insurance policy, here are some of the most common types of coverage available.
Dwelling coverage
Most home insurance policies include dwelling coverage. This type of coverage can pay for repairs or the replacement of your home after suffering damage due to a covered event.
Dwelling coverage often covers damage from fire and storms. This may include damage from fallen trees and branches, hail, and other hazards associated with severe weather. You may also get protection against vandalism.
For example, a strong storm knocks a tree into your home, causing thousands of dollars in damage. Your dwelling coverage can cover the repairs, after subtracting your deductible.
Liability coverage
Liability coverage can help cover medical costs and legal fees if someone is injured on your property and you’re found liable. This includes slip-and-fall accidents and other injuries.
The limit may range from $100,000 to $500,000. You should typically obtain a limit that is at least equal to the assets that you need to protect.
For example, a visitor slips and falls on your porch, resulting in a broken leg. If you’re liable for the injuries, your home insurance liability coverage may cover the costs.
Personal property
Obtaining coverage for personal property can help pay for repairs or the replacement of your personal items. This may cover furniture, electronics, appliances, and clothing.
High-priced items such as fine art, jewelry, and collectibles should be insured separately with an add-on insurance rider. The limit on personal property coverage may not be enough to insure your most expensive items. However, it can cover your personal belongings.
For example, a fire destroys a part of your home. Your dwelling coverage can cover the repairs to the home itself while your personal property coverage can pay for the replacement of damaged items, such as furniture.
Loss of use
Some homeowner’s policies include “loss of use” coverage. This includes coverage for living expenses if you can’t stay at home as the contractors are completing the repairs.
For example, a strong storm causes part of your roof and ceiling to cave in. You may need to stay elsewhere until the contractors finish up the repairs. Loss of use coverage may cover the cost of a hotel room and meals.
