Types of Home Insurance Policies
As a home or property owner, there are two basic questions you need to ask when looking for insurance coverage. First, what type of property do you want to insure? Insurance coverage for commercial property or a commercial buidling is going to be very different than insurance for a residential apartment or mobile home. In addition, there are major differences in home insurance policies within the resedential category. Insurance coverage for a farm is very different than insurance for a co-op. The second question to ask is what are the specific types of coverage you need for the property? Do you live in an area that is prone to earthquakes, hurricanes, or hail storms? If so, you should ask if those specifics events are covered by the policy you select in order to avoid any unpleasant surprises. Type of PropertyThis section covers the many types of property for which you may want to purchase homeowner or commercial property insurance. These guides and articles discuss specific considerations you will need to make when looking for coverage and also how much you can expect to pay, relative to other types of policies. A complete list of topics follows.
Apartment Renters Insurance Specific Types of CoverageIn addition to understanding the specifics of insuring your type of property, you should ask your insurance company about individual types of coverage, such as earthquake insurance, hail storm coverage, and windstorm insurance. These types of coverage may or may not be included with your policy or they may require an additional charge. A complete list of topics and special types of home insurance covered in the section follows below.
Builder's Risk Insurance |