Lowest Rate on Home Insurance.

Home insurance protects what is typically the biggest investment you’ll make: Your house. Yet this investment can disappear in matter of minutes or seconds if there’s fire or natural disaster. Insurance is meant to come to the rescue in these times of calamity. A home insurance policy covers much more than damage to your house. There are additional coverage types within a policy that can save you from financial disaster, with limits often set as a percentage of the dwelling’s coverage amount. (Check your own policy for limits.) Your belongings. (Often 50 percent of the dwelling amount.) Certain structures outside your house, such as your garage or fence. (Often 10 percent of the dwelling amount.) Loss of use, meaning additional living expenses you incur if you can’t live at home due to damage. This could include hotel bills, restaurant meals and laundry costs. (Often 20 percent of the dwelling amount.) Liability, for cases where you are sued for damages or injuries to someone else. Medical bills for people injured on your property or by your pet. Other items may be covered under your home insurance, with specific limits for each, so check your policy or ask your agent: Home insurance does not cover earthquakes or floods – you’ll need to buy separate policies for those if you want coverage for those disasters. And in some areas of the country you need to buy windstorm coverage separately. Mortgage lenders usually require customers to purchase home insurance.  Don’t rely on the coverage levels mandated by your mortgage company.  Those levels are designed to protect the house itself, but not necessarily your possessions.  That’s why it’s important to check with your agent or insurance company to make sure you have adequate coverage. Click here to buy Learn WordPress Today ... Easy Video Training!