Homeowners Insurance Overview
Single dwelling homeowners policies offer protection against losses or damage to your house and its contents. An insurance policy covers various "perils". Perils covered include fire, windstorm, vandalism, theft and personal liability among others. In addition to coverage to the structure, homeowners' policies usually contain additional types of coverage: additional living expenses, personal liability and medical payments in the event that the homeowner experiences a named peril.

There is a special type of insurance for condominium owners. The condominium association owns the land, land improvements and common parts of the building. Therefore, a condominium requires a special type of coverage. This type of policy covers contents and property not covered by the condominium association's policy.

Types of Policies
There are several types of homeowners' policies offered by most companies. The following is a general description of homeowners insurance. Read More...

How much Insurance
Generally, your home must be insured for at least 80% of the purchase price or appraised value. Read More...

Affects on Prices
What affects homeowners' insurance prices? Read More...

Loss Prevention
No matter how much insurance you carry, no insurance policy can adequately compensate you for all your pain, trauma and inconvenience following a fire or theft. Read More...