Protecting your possessions from theft, fire, storms, and even law suits can be as simple as a phone call to your insurance agent. A home owner’s insurance policy protects your assets from major and minor catastrophes, for a relatively small fee. You can choose the amount of coverage you desire, above the amount of your home loan.
You might be interested in a special form policy, called a Home Owner’s 3. This coverage will protect you from all forms of damage, except any specifically excluded by the policy. If you opt for a “replacement value” policy, losses will be paid at the cost of purchasing comparable new items. Remember, it may be necessary to purchase additional coverage, called riders, to cover valuable jewelry, furs, computers, or other home office equipment. Also, if you remodel your home, check to see if you should increase your coverage. Home owner’s insurance cover’s structures, not land, so you’ll want to keep your coverage updated as your home’s value changes.
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