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	<title>New answer on: What Kind Of Homeowners Insurance Do I Need?</title>

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		<title>By: Tom Sheehan</title>

		<link>https://insurancelibrary.com/home-insurance/what-kind-of-homeowners-insurance-do-i-need</link>

		<dc:creator>Tom Sheehan</dc:creator>

		<pubDate>Mon, 03 Jun 2013 16:20:36 +0000</pubDate>

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		<description><![CDATA[In general, a comprehensive &quot;all risk&quot; Homeowners Policy will provide the broadest coverage.  I would suggest that there are certain key elements to look for when comparing proposals.  Check the dwelling amount.  Is it accurately reflecting current reconstruction costs in your area? Look for a &quot;Replacement Guarantee&quot; for both your home and personal belongings to make sure that if you do suffer a loss, there won&#039;t be any costly gaps in coverage.  Take a look at the deductible.  These days most folks in my area have a $1000 deductible in order to control premium. Make sure you are getting the right credits.  If you have a central alarm system, that will earn a discount.  Some companies offer discounts for a new roof and upgrades in electrical, plumbing and HVAC systems. Finally, look for a good amount of Liability Protection, usually $300,000.
Keep in mind that a Homeowners POlicy does NOT provide coverage for Flood.  Every home is in a flood risk area, it just depends upon the level of risk.  You will need to look for a Flood Insurance policy to protect you.  Ask your Insurance Professional.]]></description>

		

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