SaveMillions Logo

Company InfoContact UsHelp  

Learn... Plan... Act... Insure!

Steps to Build Plan
  Step 1 - Locate policies
  Step 2 - Get educated
  Step 3 - Determine needs
  Step 4 - Evaluate policies
  Step 5 - Make changes
  Step 6 - Get help
Insurance Tools
  Home Inventory List (Excel)
  Home Inventory List (pdf)
  Home Inventory List (html)
  Home Insurance Worksheet (html)
  Home Insurance Worksheet (doc)
Online Quotes
Homeowner's insurance

Your home represents the largest investment you will make in your lifetime. You need to make sure that you protect your investment with homeowner's insurance. This insurance will protect you from financial loss due to theft or peril, and will cover the physical structure as well as the contents. It also will provide additional living expenses should you be displaced while your home is being repaired or rebuilt. It further will provide guest medical payments and a certain amount of personal liability coverage should someone be injured while visiting your home and decide to sue you.

Typical Protection
Most homeowner's insurance policies will repair or replace your home and your personal property that is damaged, destroyed or stolen as the result of fire or lightning, windstorm or hail, explosions, smoke, vandalism, theft, damage by glass, electrical surge damage, or water-related damage from home utilities.

Personal Property
In addition to your house, your insurance policy will replace your contents up to a certain amount, usually a percentage of your total home insurance value. This will include bare necessities like furniture, towels, sheets, telephones, dishes, utensils, groceries, pots, pans, clothes, toiletries, shoes, and coats. It also will replace your stereo, TV, CDs, pictures, vacuum, books, camera, computer, etc. Just imagine everything that you own, and then imagine losing it all due to a fire or severe storm. This is why you have homeowner's insurance.

The purpose of this section is to ensure that you have the right type and amount of homeowner's insurance protection. This will entail getting educated, determining your needs, evaluating your existing policy, and making any necessary changes.

Step One - Locate Your Policy 

Get Answers
  FAQ about homeowner's insurance
  Ask our experts
  Article archive
Most Popular Articles
  Detailed information on homeowner's insurance, although it's for Texas
  Disaster-proof your prized possessions
  What do you mean I'm not covered? (common coverage mistakes)
  Dealing with a disaster and your insurance company
Most Recent Articles
  5-minute guide to home insurance
  Insurance worries for condo owners
  Insuring your home against disaster
  6 condo insurance questions
  10 things your insurance might not cover
  Fill the holes in your homeowner's insurance
  Protecting your home during the holiday season
  Why it's critical to maintain a current home inventory