There are several types of property insurance that fall into this classification and they include, homeowners, rental/landlord, condo owners and tenant. Many insurance carriers have different policy forms to be used for your specific need. It is important to remember that a homeowners policy can only be used in your place of primary and in some cases secondary residence.
The remainder of this page will focus on a typical homeowners policy. The links to the side can direct you to further information regarding renters , condo, and other specialty types of policies.
Home Insurance Landing Page
Detailed information about homeinsurance coverage
and new policy enhancement endorsements
There are several types of property insurance that fall into this classification and they include, homeowners, rental/landlord and vacant. A standard homeowner policy insures your home's structure (dwelling), your belongings (personal property) and personal liability of where you reside. Specialty rental/landlord policies are designed to protect the structure of your investment and provide premises liability. The contents need to be insured by your tenant under a renters or tenant policy.
Unlike auto insurance, homeowner insurance is not required by law but is required by banks and other mortgage/lending companies. Even if your home is "paid off" and without liens it is still highly recommended