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What is homeowners insurance?

Posted on August 12, 2008

Home owners insurance protects the home owner from losses in the case of a disaster or other unexpected event.  It can be purchased from many insurance companies, and is a contract between you and that company.

In short, you pay a small monthly fee, and they protect you in times of need, as long as you still have the contract (are paying the insurance).  This is beneficial especially if a catastrophic event occurs.  You can never know if this might happen to your home.

Homeowners insurance also protects the tenants, and often times, those at the residence at the time of the incident; much like a car insurance policy works.

Eventually, we will cover topics such as how to shop for (or buy) homeowners insurance to best meet your needs, the types of insurance, coverage limits, and what you can really expect from your homeowners insurance company, and even rules and specific things to watch out for in specific states.

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