The Ultimate Guide to Homeowners Insurance



Any person who’s in the process of buying a house needs to know about insurance options. The Youtube video “Homeowners Insurance 101 (Home Shopping 4/6)” has the best advice in regard to finding a homeowners insurance company and what you should expect from it. Let’s find out more!

The first step is to understand what homeowner insurance entails. The idea of this policy is to reduce the cost of possible risks in your home such as damage from natural disasters or liability.

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With this insurance, you’ll have to pay a monthly fee, or premium, which will depend on several factors such as how old your house is and where it’s located.

Most policies in this case include 6 packages in one, which mortgage lenders require before they can actually give you the loan. The first package you’ll have is dwelling coverage, which protects the structure of the home from theft and disasters. However, this doesn’t cover hurricanes or earthquakes, which come in separate plans.

A homeowner has to pay a deductible when an incident happens, and there’s also a limit on how much the insurance will cover. You can check the rest of the video for more details about a homeowners insurance company.


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