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Home Insurance

Home insurance, unlike car insurance, is not obligatory but with the prices of properties, crime and domestic fires on the increase, home insurance cover is undoubtedly a necessity.

Home insurance, or homeowners insurance, is an insurance policy that combines insurance on the home, its contents, and, often, the other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home.

The typical homeowners insurance policy covers the house, the garage and other structures on the property, as well as personal possessions inside the house such as furniture, appliances and clothing, against a wide variety of loses including storm damage, fire and theft. The extent of the perils covered depends on the type of policy. An all-risk policy offers the broadest coverage. This covers all loses except those specifically excluded in the policy.

Most lenders will require you to have home insurance equal to or greater than the principal of the mortgage or the loan amount. It is important to make sure that you have adequate insurance so that in the event of a fire, that you are fully covered.

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