Home insurance is also known as home owner's insurance and hazard insurance.

A home insurance policy can provide consumers with various types of coverage related to the home. Home insurance coverage can cover the loss of or damage to the home or its contents. It may also cover that of other personal possessions that are not in the home and have been lost, stolen or damaged. These items may need to be itemized. In addition, home insurance may also provide liability insurance to cover accidents that visitors may have while visiting the home.

The cost of home owner's insurance can vary widely between carriers. Consumers should shop multiple carriers at each home insurance renewal. The cost of home insurance depends on many things including what it would cost to replace the house, additional items to be insured, and losses the consumer has had in the past.

Claims due to earthquakes, floods, hurricanes, "Acts of God", or war are typically excluded. Special insurance should be purchase can usually be purchased to cover these.

Mortgage lenders always require that the buyer purchase homeowners insurance, in order to protect the bank if the home were to be destroyed.

Amerisave and all affiliated companies make no warranty and take no responsibility for the accuracy of the information found on this website. All information should be verified with your insurance carrier.