Consumer’s Guide To Homeowners Insurance

Table of Contents

1. Introduction
2. Commonly Asked Questions
   How Much Home Insurance Do I Need?
   What Affects Home Insurance Prices?
   What Deductible Should I Choose?
3. Basic Coverages Available
   Property Damage
   Additional Living Expenses
   Personal Liability
   Medical Payments
4. Insurance Forms
   Home Insurance
   Renters Insurance (HO-4)
   Condominium Insurance (HO-6)
   Manufactured Housing Insurance
   Option Coverages to Consider
5. In Case of Loss
   Repair of Your Home
   To Report a Loss
6. Burglary Prevention
7. Glossary of Homeowner Related Insurance Terms

Introduction
The coverages offered to homeowners are typically contained in a package of liability and property coverages. This Guide principally addresses the package of coverages found in a “homeowners” policy. It does not address other state programs established to ensure the availability of coverage. Contact Us for more details on these other plans.

Why Buy Home Insurance?
Owners: to protect both your house and personal property. Tenants: to protect your furniture and other personal property. Everyone: protection against liability for accidents that injure other people or damage their property