What To Look For When Buying Home Insurance -

Not all home insurance policies are the same. Most standard homes use one of these three forms:

: Pays to replace your home or items with new ones at today's prices. what to look for when buying home insurance

: The most common choice. It covers your home structure against all risks unless specifically excluded (like floods or earthquakes), but only covers your belongings for specific "named perils" like fire or theft. Not all home insurance policies are the same

: Most insurers require you to insure your home for at least 80% of its total replacement cost to avoid penalties on partial claims. What is the 80% rule for home insurance? - Liberty Mutual what to look for when buying home insurance