If you rent an apartment or a house, the building owner is responsible for any perils that befall the property. Rest assured, if the place burns down, your landlord’s insurance is responsible to compensate him for Continue Reading

You probably know that a homeowner’s policy is essential. But you might also own other types of property with special coverage needs. If you are in the process of building a new home, or if you own a rental Continue Reading

Insuring a condominium is different than insuring a house because of the way ownership is structured. A homeowner’s policy covers against losses, and covers only what you own. Since there are areas of common Continue Reading

What if your chimney fell on your neighbor, injuring him and ruining his expensive sports car, and you wind up facing a $500,000 judgment? If your homeowner’s policy pays a maximum $300,000 for liability, you Continue Reading

A home can require a tremendous investment of money, time, and energy. Homeowner’s insurance is designed to protect that investment by insuring the actual structure or structures and the personal possessions Continue Reading

When you buy a home, if you have a mortgage, you may be required by the lender to purchase a homeowner’s policy. Here’s what to expect as you look for the appropriate policy to cover your home. The Continue Reading

If you own a home in a documented flood zone, there’s a 26 percent chance of experiencing a flood over the course of a 30-year mortgage.1 And while they are more common in some areas, floods can happen Continue Reading

Because homeowner policies have set limits for replacing personal property, especially those items prone to theft, you may want to purchase additional coverage for some of your more valuable possessions. This is Continue Reading

If you have special needs where your property is concerned, a standard homeowner’s policy may not fit the bill. There are a number of ways that your coverage can be expanded to ensure your peace of mind. In Continue Reading

When trying to pick up the pieces after a calamity, you’ll be asked by your insurance company to provide an inventory of lost or damaged valuables. Recalling the exact contents of your home under any condition Continue Reading