Home Insurance
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What is Home Insurance
The basic idea of home insurance is financial protection against the unexpected. You pay a regular fee to an insurance company so that if a disaster strikes, you aren’t left paying tens or hundreds of thousands of dollars out of your own pocket.
Why Home Insurance?
Asset Protection: Insurance safeguards your biggest asset—your home and personal belongings—against standard risks like fire, wind, theft, and vandalism.
Liability Coverage: It covers legal and medical expenses if you are held responsible for someone else’s injury or property damage, whether the incident happens on or off your property.
Lender Requirement: If you have a mortgage, your bank will require you to carry insurance to protect their financial stake in the property.
Supplemental Needs: Basic policies do not cover events like earthquakes, floods, and landslides, nor do they fully cover expensive jewelry. These require separate or add-on coverage.
What Can I Do to Keep My Home Insurable?
- Do not let moss form on the roof, and make sure your home is in good shape.
Do not plant shrubs, trees, or bushes next to the house, where the leaves start touching the house. If you have trees touching the house, remove them.
Keep your yard clean, both the front and the back.
It would be a good idea to keep a record of your personal property. Take pictures and keep it safe.
What are the Different Coverages?
| Coverage | What it Covers |
|---|---|
| Dwelling Coverage | The cost to replace the house. |
| Separate Structure Coverage | Any small storage shed located on your property. |
| Liability Coverage | It pays for any damage you caused to others (accidental) |
| Medical Coverage | Pays for emergency medical fees when a guest is injured at your home |
| Personal Property Coverage | Most of your personal belongings at your home |
| Loss of use | Pays for expenses related to not being able to stay at your home. Example house was on fire and you stayed at a hotel. |
Recommended Home Insurance Add-ons
| Coverage | What it Covers |
|---|---|
| Personal Umbrella Insurance | Provides an extra layer of liability protection that kicks in after standard auto or home insurance limits are exhausted. |
| Jewelry Insurance | Pays the full replacement value for high-worth items like engagement rings and covers a broader range of mishaps, including accidental damage or "mysterious disappearance." |
| Collectibles Insurance | Protects appraised collections (fine art, coins, memorabilia) for their true market value, often adjusting for appreciation over time. |
What are Specialty Coverages, and why do you buy them?
Buying specialty insurance fills the massive gaps left by standard policies. Standard insurance is built for average, everyday risks, and insurance companies write those policies with very specific exclusions.