Your home needs insurance protection in the event of damage to your property. When you think of home insurance, think about protecting the irreplaceable. Although homeowners in the US spend an average $729 a year on home insurance, many have no insurance or inadequate coverage. A standard policy insures the home itself and the things you keep in it. Damage caused by most disasters is covered but there are exceptions, such as damage caused by floods, earthquakes and poor maintenance.
But how much is your homeowners insurance going to cost you? What does a typical home insurance policy cover? What doesn't it cover? Do I need homeowners insurance if I rent or lease?
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