It depends. These are some of the factors that may help determine how much you'll end up paying for homeowners insurance: The deductible you choose. The value of your home and belongings. Your insu...
Don't let unexpected disasters catch you off guard. Learn how to determine the right amount of homeowners insurance you need to safeguard your home and assets.
Most expensive states for home insurance, Average annual premium for $300,000 in dwelling coverage* ; Florida, $5,533 ; Nebraska, $5,249 ; Oklahoma, $4,700
Your house: Homeowners insurance coverage can help pay to repair or rebuild your house and possibly other structures on your property, such as a detached garage or a storage shed, after damage from a covered loss. Your stuff: Homeowners insurance can help pay to replace your possessions, from your couch to your china, if they're damaged or destroyed by a covered loss. A place to stay: Your homeowners insurance policy may include additional living expenses (ALE) coverage to help cover the cost of...
Read transcript ; You're getting ready to buy a home and know that you'll need insurance to cover your house and all your belongings that go along with it. Knowing you have insurance coverage in case of theft, fire or other unexpected occurrences may help you sleep better at night. But how much insurance should you consider? Understanding the basic coverages and the ones you can add on to your policy can make it easier to determine what you need. Here’s an overview of what’s typically includ...
Unsure how much homeowners insurance you need? Discover key factors to determine the right coverage for your home. Click to get expert tips and ensure you're protected!
Dwelling coverage ; Personal property coverage ; Additional living expenses coverage ; More coverage options
Is homeowners insurance required by law? We'll take you through the basics and beyond so you can get the coverage you need.
proximity to active earthquake faults · seismic history of the region (frequency of earthquakes) · time since last earthquake · building construction (type of building and foundation) · architectural layout · materials used · quality of workmanship · extent to which earthquake resistance was considered by the designer · local site conditions (type and condition of soil) · slope of the land · fill material · geologic structure of the earth beneath · annual rainfall · value of the building and its contents ...
Determine how much insurance you need for your home's structure ; Is your home up to code? ; If your home is older, will you need a policy to cover hard-to-replace features? ; If costs rise for building materials, will your replacement coverage be enough?