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For most people, their home is their largest asset. Obtaining a property insurance policy is the first step they take toward protecting it. Property Insurance may be purchased to coincide with exactly the type of dwelling in which you reside. The different types of Property Insurance include:
- Homeowner`s Insurance (interior, exterior and contents) - for those who own a single-family dwelling; commonly referred to as HO-3
- Renter`s Insurance (contents) - for those who rent a house or apartment; commonly referred to as HO-4
- Condo Insurance (interior and contents) - for those who own a unit in multiple family housing; commonly referred to as HO-6
It is important to know the type of coverage you need. Also, the need for flood insurance should be emphasized as it is not covered under standard coverages.