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Personal Homeowners' Insurance FAQs
Includes a wealth of information on how to insure homes against flooding. This site is the official web page for the Federal Emergency Management Agency.
New to insurance? Not sure what you need? Here are some basics to get you started.
What's the best way to inventory my
belongings?
Keep detailed records of personal property including receipts, serial
numbers, appraisals and the name and addresses of appraisers with these
descriptions.
Does homeowners insurance protect me if
someone gets hurt on my property?
Typically homeowner's insurance covers your liabilities if a guest falls
and requires medical care. The amount of liability coverage is
determined by your policy limits.
Am I required to carry
homeowners insurance?
Unlike auto insurance you are not required by law to have homeowners
insurance by your mortgage company may require it.
If I rent but don't own can I still get
coverage?
Yes. Renters can purchase policies very similar to homeowners that cover
personal property, liability, medical expenses etc., the renters policy
simply does not cover the actual dwelling.
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What is not covered by typical
homeowner's insurance?
There is a wide variety of damages, conditions, and costs that are not
covered by homeowner's insurance. For example:
• Your claim exceeds your maximum stated coverage amount.
• You have flood damage.
• You have losses related to business activities in your home and you do
not carry incidental business insurance.
• Your claim is covered by other insurance.
• Someone else who is intentionally insured under your policy caused
your claim.