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Homeowner's Insurance Basics

Do you know what's included in a basic homeowner's insurance policy? You should in order to determine if you need any additional coverage. Being well informed can have a big impact on your satisfaction (or lack thereof) with your policy.

To eschew unwelcome surprises that may cost you money in the long run, be sure you get the best policy to suit your needs. Basic homeowner's insurance policies cover the residence and the contents contained therein. They can also provide limited coverage for incidental occupancy, when the dwelling is used for non-residential purposes (such as a home office).

While many homeowner's policies cover situations and disasters such as fire and vandalism, most don't cover earthquakes or floods. Be sure to get additional coverage for floods and earthquakes if you like in a region that has historically bee affected by either. Liability coverage is important, so be sure to have appropriate liability coverage.

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