Home Contents Insurance

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Do you know what content is included in your home insurance policty or mobile home insurance?  If not, you are not alone.  The majority majority of homeowners are not fully aware of what content is covered in their home insurance policy.  Home insurance plans can be altered to fit your needs, but it is up to you to figure out what works best for you and your family.  You can additionally insure household items which may not be covered under your standard home insurance policy.  Make sure you protect yourself from earthquakes, flooding, fire and other disasters caused by the "acts of God."  Other terms used for home insurance are hazard insurance and homeowners insurance.  Often, the abriviation HOI (Homeowners Insurance) is used.  When receiveing a loan on a home known as a home mortgage, the lender will require the borrower to receive HOI.  Property insurance covers more than most people think.  Your home insurance policy and cover loss of land use, content in your home, loss of personal possessions in the home and accidents which will be covered by your liability insurance.  

According to Wikipedia   there are six classifications of coverage for insurance.  These are..

Section I -Property Coverages- for more information and definitions click here

Coverage A- Dwelling

Coverage B- Other structures

Coverage C- Personal Property

Coverage D-  Loss of Use/Additional Living Expenses

Additional Coverages

Exclusions