I lost my passport
Identity theft coverage is available in most states as an optional endorsement on a homeowner's insurance policy, and it is important to understand the benefit of purchasing this extra coverage. Ask your agent to see if you're covered.
Medical payments to others coverage reimburses you for medical expenses related to guests' bodily injuries inside of your home, regardless of who is at fault.
Damage That Homeowners Insurance Won’t Cover
Not everything is covered in your basic homeowners policy. In fact, the following will not be covered in a standard insurance policy: -Flood damage -General wear and tear -Cracked driveways -Insect damage -Damage from earthquake -Paint fading from sunlight -Removing a tree from your property If you live in an area where any of these situations is a potential threat, you can always add the proper coverage to your insurance. Just talk to your agent and they’ll handle it.
My expensive laptop is stolen
Homeowners insurance may help cover theft and break-ins. There are a few coverages in a homeowners policy help you recover from a burglary: dwelling coverage, personal property coverage and other structures coverage.
Where Can I Get Homeowners Insurance?
When you start your search for homeowners insurance, it’s important to assess your needs to determine the right amount of coverage. It can be tempting to choose a policy based on price alone, but you probably won’t get the right amount of protection using that method.
Is Homeowners Insurance Required?
Your state may or may not require homeowners insurance, but your mortgage lender typically will require coverage in order to provide a home loan. Even if you own your home outright and you are not required to buy homeowners insurance, it’s still a good idea to protect your investment with an insurance policy.