Insurance for homeowners

We've just returned from a month's holiday and we had a fabulous time.  However, getting on holiday proved a little more traumatic as several insurance issues raised their heads.

It was time for our annual house insurance renewal - because I was changing companies, I needed to visit my agent to complete the necessary forms.  (This was the day before our departure date!)  Business done, I headed home - only to be involved in a rear-end shunt at traffic lights approximately 2 miles from home.  DUH.  More insurance issues to deal with.

Because we were going to be away for so long, it was a relief to know that our house was covered for insurance - and, if you'd like an illustration of what cover you need to protect your property, (Las Vegas homeowners take note!) then here are some useful tips -

There are many types of homeowners insurance. The most traditional homeowners insurance policy is simply a policy to protect your home, the contents of your home and any structures on the property and provide liability protection. The premiums can be rolled into your mortgage as a part of escrow or paid on their own yearly or monthly.

If you are a renter, you may want to consider homeowners insurance for renters. This provides you with liability coverage in case of a fire or water leak that stems from your rented space. Also, it covers your personal belongings that are stored in your rented space.

If you own a condo, townhouse or apartment, you will also require some form of Las Vegas homeowners insurance. Liability coverage will be more important in this instance because you will be sharing walls and the danger of damaging someone else's property is much greater.

 Give yourself the peace of mind knowing that you're covered!