Home Insurance Guide
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Homeowners insurance. How many other topics elicit so many groans and instant headaches than house insureance? I know, I know. I feel your pain. But the truth is, home owners insurance is a necessity. After all, your home is one of your most valuable assets and you need insurence to protect it.

We're here to take some of the pain and confusion out of choosing homeowners insurance. Our dozens of insurance articles show you how to save money on your homeowners insuranc while making smart insurances choices and still getting all the coverage and homeowner insurace protection you really need. If you own a home or a condo, or even if you are a renter, you owe it to yourself to make informed insureance decisions. Read these articles and learn that the key to low cost homeowners insurance isn't just buying cheap homeowners insurance -- it's getting the right coverage.

1.  Dare To Compare Home Insurance Companies

2.  A Few Of Our Favorite Things - That Can Lower Homeowners Insurance Rates

3.  Types Of Homeowners Insurance Policies - Which One's Right For You

4.  Other Residential Insurance Policies

5.  Homeowners Insurance Endorsements And Exclusions

6.  When Disaster Strikes - Time To File A Homeowners Insurance Claim

7.  Factors That Determine Your Final Settlement Amount

8.  What To Do If You Lose Your Home Insurance

9.  Prevent Problems Before They Occur

10. Home Insurance Adjusters And Appraisers

11. From Payment To Rebuilding

12. Should You Have Flood Insurance

Homeowners Insurance Q & As

Q: Do I need homeowners insurance?

A: If you care about your home and your possessions, the answer is yes! You can never predict when or where a catastrophe will occur, so you should be prepared. And if you have a mortgage, your lender may require you to have home insurance.

Q: Are there any ways I can cut the cost on my home insurance premium?

A: There are several ways you can lower the cost on your home insurance premium. Some of the ways are: having a higher deductible, having your home and auto insurance policies with the same company, using fire-resistant building materials and installing burglar-proof security devices.

Q: My pipes froze and burst while I was on vacation. Is that covered?

A: Coverage for frozen pipes is provided under some home insurance policies, but you may need to prove that you properly drained all plumbing lines and/or maintained a proper level of heat to the dwelling. This is not covered under some very basic home insurance plans, so be sure to check your policy.

Q: What kind of risks does homeowners insurance protect against?

A: Although policies may vary, the major risks covered by homeowners insurance are:

1. damage or loss to the home itself, as well as other structures on the land;
   
2. damage or loss to the items of personal property in the home and other structures; and
   
3. injury or harm to third parties (typically guests and others who come to your home).
   

Q: I'm renting an apartment. Do I need renters insurance?

A: Just like homeowners, renters face risks of loss. As a renter, the greatest risk is damage to or loss of personal property, and the landlord generally carries the burden for insuring the actual structure or building. Renters can also be liable to third parties that are injured while at the residence.

Q: There was a fire in my home, and now I'm staying at a hotel. Will my homeowners insurance cover this expense?

A: “Additional living expense” coverage (also called “loss-of-use”) is one of the most important features in a standard policy. This coverage will pay for your hotel costs, restaurant bills, and other additional living expenses when your home is too damaged to live in during repairs. The limit of coverage varies by company, so be sure to check your policy.

Q: Are my jewelry, collectibles and heirloom china protected under my regular homeowners insurance policy?

A: Yes, but there are usually specific dollar limits on coverages for cash, securities, coin collections, jewelry, furs, guns, silverware, antiques, and art. Make sure to check your policy to determine if there are special limitations for certain kinds of personal property. You can always increase coverage by adding an endorsement (or rider) to the policy.

Q: My neighbor's tree fell on my roof during a storm. Whose home insurance should cover this?

A: Homeowners are responsible for injury or damage to third parties that is caused by their ownership of property. In this case, your neighbor's homeowners insurance should cover your damage.

Q: My credit cards were stolen. Will my homeowners insurance cover any unauthorized purchases?

A: Most homeowners and renters insurance policies provide coverage for theft of credit cards, but the amount of coverage is limited. Once you have reported the loss or theft of your credit card, you are responsible for only $50 of unauthorized use.

Q: We're going on a vacation soon. Will the belongings that we take with us be covered under our homeowners insurance policy?

A: Yes, your homeowners insurance policy will cover the belongings you take wit you. But keep in mind that if you are traveling with expensive jewelry, pricey photo equipment, or other high-value items, you should think about purchasing an endorsement (or rider) to extend coverage for these items.

02/08/2010 Documenting Your Possessions
The challenge to prove the value of your household contents is well met with a detailed home inventory. A home inventory allows a policyholder to keep coverage amounts up-to-date and provides documentation in case a claim must be made.

02/08/2010 Understanding Hurricane Coverage For Homeowners
Insurance requirements vary from state to state and from region to region within each state. Many of these state specific insurance requirements center around the risks that are particular to that state.

02/08/2010 Renters Insurance - Should I Get Additional Coverage?
As a Florida renter, protecting yourself with Florida renters insurance is just good sense. We all hope that we'll never be faced with a situation where we will need that insurance, but we know that bad things sometimes happen. It is so much better to have the protection of Florida renters insurance and not need it, than it is to need it and not have it. When disaster strikes, the personal property coverage of your Florida renters insurance can help you to replace your furniture, clothes, appliances and other valuable possessions. Your personal liability coverage helps protect you if you or your property accidentally injure someone else or damage their property. Did you know that there are other insurance options, too?

02/08/2010 Condo Insurance Types and Options
Florida condominium insurance is an absolute necessity for condo owners in Florida. Condo coverage is what helps to cover you in those unforeseen instances that aren't covered by the master policy of the condo association or your own liability and personal property insurance. When looking for condominium insurance in Florida, there are a number of types of coverage and coverage options that you should be familiar with. It is always advisable to protect yourself and your Florida condo with the most comprehensive Florida condo insurance policy.

02/08/2010 Finding Florida Condo Insurance
The extensive damage to condos caused by these violent forces of nature and the subsequent expense to insurance companies was enough to drive many insurance out of the Florida condo insurance business altogether. Those who remained drastically raised the cost of coverage. As a result, it has become increasingly difficult to get even the very basic insurance you need to meet the requirements of the law and of your condo association as a Florida condo owner

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Home Insurance Guide
Buying Cheap Homeowners Insurance