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How Much Homeowners Insurance Do You Need?
When buying a home you think about the mortgage and the bills associated with owning a home. But, just as important, is to figure out what your homeowners insurance will cost.
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Renters Insurance 101
Are you renting an apartment? If so, keep in mind that it’s up to you to protect your personal belongings from damage or theft with renters insurance.
Your landlord insures the building in which you live. However, it’s up to you to protect what is inside your apartment? As a renter, you need insurance to cover your personal things, such as clothing, furniture or electronic equipment.
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About Homeowner’s Insurance
There are four key components consisting of:
- Coverage for the structure of your home.
- Coverage for your personal belongings.
- Liability protection.
- Living expenses in case you are temporarily unable to live in your home due to a fire or other insured disaster.
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Small Business Insurance Basics
No matter what the size is of your business you will need some level of insurance to protect you and your business. For small businesses, insurers often combine a number of insurance policies into a package sold as a single contract. The most common policy for small businesses is the Business Owners Policy (BOP).