Selecting the Right Home Insurance

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Home Insurance Coverage

There are three main types of home insurance that are designed to provide you with the best possible coverage for your home. The three main types of coverage are property damage, personal liability, and home business.

• Property damage coverage – property damage helps pay for damage to your home and personal property. Household furniture, clothing, and other personal belongings are also covered – however, be sure to review what items in your property are covered by your property coverage

• Personal liability coverage – personal homeowner policies provide personal liability that applies to non-auto accidents if the injury or damage is cause by you, or your family. Liability insurance does not have a deductible, and you can request higher limits that are available for an additional cost

• Home business – you shouldn’t assume that your home coverage covers your home business. Always check to see if you are being provided with the right insurance coverage for your business. Your homeowner coverage may provide coverage – be sure to check.

If you have questions about insurance for any of your possessions, be sure to ask your agent or company representative when you’re shopping around for a policy.

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