Home Insurance:

Everything You Need to Know

---

Skip?

(The following is the same as the auto portion- if you've read that, skip ahead to the next title!)

where_to_buy_insurance.docx
File Size:	136 kb
File Type:	docx

Download File

---

Policies in the "Homeowners Family"

Renters Insurance:

Renters policies are in the homeowners insurance family but are covered on an HO4. These can be very much like a homeowners policy except the building and detached structures are most often kept from being covered.

Seasonal Homes:

Seasonal homes can be included in the homeowners insurance picture, sometimes even within your homeowners policy, which can simplify things for you!

Rental Homes:

Rental homes, or income properties most often cannot be included in the homeowners insurance picture, unless specific endorsements are available. Check with your agent, but most often, a Dwelling Fire policy is your best choice.

Condos:

Condos are in the homeowners insurance family, but because of the nature of what you actually own when you own a condo and what your liabilities are, they belong under an HO6 policy, which is specifically tailored insurance for a condo.