Home Insurance

You live in an apartment, owned by a landlord, and would like to have your personal belongings insured

• Homeowners Policy

• Renter's Insurance Policy

• Liability Insurance

You own a single family home and your bank requires you insure the dwelling and you want all the belongings covered too

• Homeowner's Policy

• Renter's Insurance

• Floater Policy

• Liability

This protection give you coverage in case your property causes harm or damage to someone else while they are on your property.

• Homeowner's Policy

• Renter's Insurance

• Floater Policy

• Liability

Anything that is attached, growing or embedded in the property

• Real Property

• Personal Property

• Floating Property

Property that can be moved, such as furniture and clothing

• Real Property

• Personal Property

• Floating Property

Additional coverage, above normal coverage, for expensive and movable items (like high end jewelry)

• Real Property

• Personal Property

• Floater Policy

Dangers to your home, such as fire, lightning, and theft are called....

• Damages

• Perils

• Issues

• Floaters

Which of these is a common exclusion from basic Homeowner's policies?

• Theft

• Hail

• Fire

• Flood

This payout type subtracts the depreciation from your claim

• Actual Cash Value

• Replacement Cost Coverage

This payout type covers the cost for the "new" version of the item or materials

• Actual Cash Value

• Replacement Cost Coverage