Oh, Give Me a Home, Where the Home Insurance Quotes Roam

amount of your policy. This means if you have 0,000 worth of insurance on the structure of your home, you would have between ,000 to ,000 worth of coverage for your belongings. If you have more expensive stuff, like a Renoir, Monet, or Grandpa’s gold teeth, you may want to purchase a floater to cover the difference.

What do I need liability protection for? Isn’t this just another scam so my agent can produce a larger home insurance quote, and get a bigger commission?

Well, it could appear thus, but remember – insurance is protection against the unforeseen. Liability covers you against lawsuits for bodily injury or property damage that you or family members cause to other people (I didn’t mean to shoot Joey with that BB gun, Dad), and the liability portion of your policy pays for both the cost of defending you in court and any court awards – up to the limit of your policy, of course. Your policy also provides no-fault medical coverage. In the event a friend or neighbor is injured in your home, he or she can simply submit medical bills to your insurance company.

Okay, okay, and the additional living expenses?

Well, what if your house is gone? What if a twister takes it to the Merry Old Land of Oz? Where are you going to live? This part of your coverage pays the additional costs of living away from home, if you can’t live there due to damage from a fire, storm or other insured disaster. It covers hotel bills, restaurant meals and