Homeowners Insurance & Quotes

How to Compare Homeowners Insurance Quotes

 Homeowners insurance can offer you peace of mind by helping to protect your investment in your home.As with any important purchase, you're probably looking to get the best possible deal. When selecting a homeowners insurance policy, the Insurance Information Institute (III) suggests getting at least three quotes, letting you compare prices before making a decision.However, price is not the only thing homeowners should consider, the III says. It's also very important to make sure your policy offers the right types and amounts of coverage for your home.  Homeowners Insurance Quotes in Arlington, Homeowners Insurance Quotes in Dallas, and home insurance.

Types of Coverage

 Dwelling coverage. This coverage may help pay to repair or rebuild the physical structure of your home if it's damaged by a covered peril.Other structures coverage. This type of coverage may help protect certain structures on your property that are not attached to your home, such as fences and sheds.Personal property coverage. This type of coverage may help protect your belongings (for instance, clothing, furniture and electronics) from covered perils.Liability coverage. If a guest is injured at your home and you are found legally responsible, this coverage may help cover expenses such as medical bills or legal costs.Additional living expenses. If your home is damaged by a fire (or other covered peril) and you can't live there, some policies may pay the additional costs associated with having to relocate temporarily while your home is being repaired or rebuilt, the III explains. 

FAQs

 Homeowners insurance typically helps provide protection from a number of risks, often referred to to "perils." They may include damage caused by:

  • Fire and smoke
  • Lightning strikes
  • Windstorms
  • Hail
  • Explosions
  • Vandalism
  • Theft
  • The weight of snow, sleet or ice
  • Falling objects

Not all policies are the same, so be sure to read yours to learn what risks it may and may not cover. 

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