Homeowners Insurance
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Generally a homeowners policy covers. The dwelling, other structures on the site (separate garage or work shed), contents of the dwelling, and some liability exposure of the owners or occupants for injury to guests or workers.
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Floods are not covered on homeowners.
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Mold damage is a special problem often not covered, but the law is evolving in different states concerning mold.
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Collectibles (antiques, art, stamps, books, etc.), jewelry and cash are limited in the amount of coverage. Individuals can choose to increase coverage for those items. Referenced by bankrate.com
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It is necessary to know exactly how much your house is worth.
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If your house catches on fire, how much is it going to cost to replace?
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This is the biggest asset you have, so you do not want to underestimate its value.
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Choosing the cheapest option may bite you in the long run.
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Renters Insurance
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Renters insurance is designed to cover the cost of replacing your belongings in the event of an accident, theft or natural disaster.
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One of the biggest mistakes that renters make when it comes to renters insurance is thinking they can’t afford it. The National Association of Insurance Commissioners estimates that the average monthly cost ranges from $15 to $30 a month. Keeping these helpful tips in mind can help you find the policy that fits your needs and your budget.
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Renting can be less expensive than buying since you’re not shelling out money for things like maintenance, repairs, property taxes or homeowner’s insurance. The downside is that if something happens to your rental property, your landlord isn’t responsible if your personal possessions are damaged or lost. Having renters insurance gives you the protection you need but there are a few things you to keep in mind when buying a policy.
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Referenced from smartasset.com
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