In 2005 I learned just how close a tragedy can come to taking away your home. ThatÂ’s why it is so important to have a home insurance policy. You really do need to be prepared, and such policies give protection to you and your family. A home insurance policy gives a homeowner some protection.

But it isnÂ’t just a cataclysmic event like a Category 5 hurricane barreling towards your home that home insurance covers. It also covers liability for those hurt on your property.

Home insurance costs very depending on issues like the level of the deductible and what is covered by the policy. Home insurance policies, for example, often exclude claims regarding “Acts of God”, floods, and earthquakes. In such cases you need to get a rider or a separate policy to cover such exclusions. Be sure to understand what risks are included under your policy and what are not, and then adjust your coverage accordingly.

You can also get insurance if you are a renter to cover the contents of your apartment and liability issues. In the case of such insurance policies, make sure that you get the same sort of protection against disasters and other events that may occur and cause you a loss.

Posted by: Greg at 11:13 PM | No Comments | Add Comment
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