homeins

Your home insurance provides many benefits. It is really quite a bargain for all of the protection it provides you and your family. Here are a few of the major benefits; recommendations and comments are italicized.

Property - This will repair or replace your home and any personal belongings that have been damaged during a covered cause of loss. Always request replacement coverage on your home and its contents.
Liability - This protects you from lawsuits resulting from injuries that non-resident household members accidentally sustain while on your property. Usually, $100,000 is the policy limit. Medical expenses are also covered, typically at $1,000. No deductible applies to these coverages. Always buy increased limits; usually $300,000 or $500,000 limits cost only around $25.
Loss of Use - If your home is uninhabitable from a covered cause of loss, the insurance company will cover the cost of additional expenses you incur while your home is being repaired, including reasonable motel rooms, partial meals, additional mileage to work, etc. Generally, this is a reimbursement type of coverage. Always keep a complete record of your receipts.