Home insurance, sometimes called first-mortgage insurance or property insurance, is a type of insurance designed to cover residential real estate. A typical homeowner’s policy covers damages and losses to a residential home, as well as certain personal belongings and furnishings in the home, and the value of the policy itself is insured against depreciation.
There are many different kinds of insurance policies that you may want to consider. Most people are aware that there is natural disaster coverage that may be required by some states. Natural disasters coverage will usually include damage from fires, earthquakes, hurricanes, and tornadoes, and may also include coverage for flood damage. In these cases, you may want to contact your insurance agent to determine what types of insurance will be the most helpful in covering your specific needs.
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