Homeowners Insurance FAQ

	Basics Why Buy Homeowner’s Insurance? Why Buy Renter’s Insurance? What Is The Connection Between Risk And The Insurance Company? What Kinds Of Risks Does Homeowner's/Renter’s Insurance Protect You Against? ...
	Types Of Coverages Available What Does Property Damage Cover? Additional Property Coverage What Does Personal Property (Contents) Damage Cover? Does The Personal Property Coverage Include My Dog Rover Or My Parakeet Tweety? ...
	How Much Coverage To Buy How Much Dwelling Coverage Is Needed? How Much Financial Liability Coverage Is Reasonable? My Lender Is Requiring Insurance. How Much Do I Have To Carry? No Company Will Insure My Home And My Lender Requires It. Will The Bank Purchase Coverage? Will It Cost Me More? ...
	Replacement Cost Or Actual Cash Value How Much Is My Home Worth? How Much Are My Possessions Worth? How Do I Decide Which Suits My Needs? ...
	Types Of Insurance Packages Why Shop? Aren’t All Standard Policies Alike? What Is A Peril And Why Is It Important? What Are The Types Of Standard Packaged Insurance Policies? What Can I Do About The Earthquake And Flood Exclusions? ...
	Pricing Policies What Things Do Companies Usually Look At To Determine The Price (Premium)? What Are Some Of The Ways I Can Cut The Cost On My Home Insurance? What Are Some Of The Insurance Company Factors That Affect The Price Of Insurance? ...
	The Insurance Company I Am Comparison-Shopping The Various Insurers. What Questions Should I Ask Before Selecting A Home Insurer? You Mentioned Rating Services. How Do I Go About Checking Up On A Company’s Financial Strength? Can My Insurance Company Stop Coverage? Must It Give The Reason In Writing? When Does Coverage Begin? ...
	Claim Settlement What Should I Do If There Is A Loss? How Do I Price My Claim? Does My Policy Pay Me The “Limit”? What If I Do Not Like The Settlement Offered By The Company? ...

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