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homeowner insurance coverage

Why Do You Need Homeowner's Insurance?
By Fern Kuhn, RN, Thu Dec 8th

The biggest single investment most people make in their lifetime is buying a home, condominium or townhouse. What you want to do is protect your home, personal property and any type ofliability with a homeowner's insurance policy.

Homeowner’s insurance just does not cover homes, but it willcover those who rent homes, apartments, condos, and townhouses. These homeowner’s policy are referred to at renter’s homeowner policies. If you are a renter, you will not need protection against damage to the building itself, but you will need protection against damage or theft of your personal property andany type of liability just in case someone falls or gets hurts on the part of the premises that you rent.

A condominium or townhouse owner may also purchase a homeowner's policy to insure against loss of personal property. The condominium and townhouse owners also are responsible for the inside of the condominium or townhouse. You are not responsible for the outside structure, but the walls and inside structure isyour responsibility.

You, of course, would be protected with homeowner’s ifthere was theft or liability just in case someone injures themselves in your condominium or townhouse. You would also be responsible if you cause, for example, water damage to someone’s condo that may be underneath you.

Condominium or townhouse owners may buy homeowner’s policies that may also include any additions or alterations not insuredby the Condominium Association.

It is very important to check with your Condominium or Townhouse Association what is exactly covered by the Condominium Association and exactly what is not covered regarding the whole structure of your condominium.

Then sit down with your agent before buying a policy to make sure you are adequately covered if there is fire damage within your home, water damage, roof damage or any type damage that you may not be sure is covered by the Condominium Association.

Fern Kuhn, RN Specializing in Diabetes

http://www.homeinsurancehelp.info

http://www.diabetestestingcenter.com

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