| I know that my home is my largest asset. In | | | | type of coverage, and it covers tenants. A renter |
| fact, except for my business, I could add up all | | | | would need to protect their personal property, |
| the rest of my assets, and they would not equal | | | | have liability, and have temporary housing help in |
| the value of the house I live in. My situation is | | | | case they cannot live in the house or apartment |
| hardly unique, either. Most of us are the same. | | | | that they rent. |
| Our houses are the most valuable thing that we | | | | Landlord Policy - This is for the owners of a home |
| own. | | | | that others rent. It would cover the building, |
| So we know that we need to protect that asset | | | | property, and liability. Normally, a landlord would |
| with home insurance, and yet is can be very | | | | not need temporary housing assistance for |
| challenging to buy the best homeowners insurance | | | | themselves because they do not live in the home |
| coverage while still keeping our monthly premium. | | | | they rent out. A landlord needs to decide if they |
| After all, none of us want to pay more for our | | | | keep any personal property, like a lawnmower or |
| policy than we pay for our mortgage every | | | | tools, that would need to be covered. |
| month! So our problem is, or course, finding a | | | | Condo Owner - A condo owner's policy may be |
| policy that will protect us when we need it, but will | | | | more like a renters policy because they are |
| not drive us into debt when we have to pay for | | | | mostly concerned with covering their personal |
| it! | | | | property. The building association should cover the |
| Figure out the best type of home insurance for | | | | building with their own plan. Of course, liability and |
| you. | | | | housing help may be included too. |
| You need to determine which type of coverage | | | | Just like you cannot tell every consumer the best |
| you need. This is important because you need to | | | | type of home insurance, you also cannot tell them |
| understand what your policy protects before you | | | | which company is best. Rates and policies will vary |
| can find the best one! | | | | by location, type of dwelling, and many other |
| Homeowners Insurance - This is for people who | | | | factors. Not all insurers that do business in the US |
| live in the home that they own. It covers your | | | | will do business in the local area that an insurance |
| home, property, and contents. It also should | | | | shopper lives in either. |
| contain some liability insurance in case a visitor | | | | One of the best ways to look for a plan will be to |
| claims they were injured on your property. A | | | | use an online quote form. A shopper can just |
| policy should also have some housing assistance in | | | | enter their unique details one time, and then sit |
| case the homeowner needs to find temporary | | | | back while companies send competitive plans and |
| housing while a home is being repaired. | | | | quotes. This should include any discounts that the |
| Renters Insurance - This is also a very common | | | | applicant would qualify for. |