Three Home Insurance Questions
Frequently Asked Questions
Homeowners insurance protects your home and personal possessions from fire, theft, storms and other unexpected events, reimbursing you for any damage or loss. It typically covers your home and any attachments, such as patios, garages or decks. Optional coverage is available for unattached structures, including sheds, fences or workshops.
Renters insurance protects the contents of your apartment or rental unit — i.e., your personal possessions. Typically, the building and its property will be covered by your landlord’s policy. This makes rental insurance less expensive than homeowners insurance but equally valuable when faced with fire, theft, storms or other unexpected events.
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Home insurance typically covers the costs associated with the replacement or repair of your home and personal belongings due to damage from storms, fire, vandalism, theft or other unfortunate events. Personal liability and medical coverage are also part of most plans — in case others make a claim against you or are accidentally injured on the property. Coverage may vary, so be sure to review your policy to confirm coverage.
Renters insurance typically covers the personal belongings you keep in your apartment or rental unit. This can include anything from furniture to electronics to jewelry. Reimbursement is usually for the cash value of the items at the time of loss. Personal liability and medical coverage are also part of most plans — in case others make a claim against you or are accidentally injured on the property. Coverage may vary, so be sure to review your policy to confirm coverage.