Home Insurance Guide

Homeowners Insurance Contents

Introduction

Chapter One - Homeowners Insurance - an overview

• Property
• Contents
• Additional coverage for property
• Liability
• So What's NOT covered

Chapter Two - How much coverage do I need?

• Replacement value  vs. Market value
• Replacement Cost
• Actual Cash value
• Separate structures
• Personal Property
• Inventory your personal property

Chapter Three - The most for your money

• What determines the cost of my premium?
• Eight ways to save
• Ask questions and more
• No one will insure me
• About your lender
• Non-renewal and cancellation
• Comparison of coverages

Chapter Four - Renters, Condos, and Townhouses

• Renter's Insuarnce -- a must
• Condos and townhouses
• Loss assessment - Beware

Chapter Five - Mobile Homes

Chapter Six - Earthquakes and Floods

• Earthquake endorsements
• Flood insurance

Chapter Seven - Disaster strikes - You have a Claim

• Your duties after a loss
• The dreaded adjuster
• Loss settlement
• You are unhappy with your claim settlement
• Commonly asked questions

Chapter Eight - Mold

• Facts about mold
• Mold and your health
• Will my insurance cover mold?

Chapter Nine - How to Select a Contractor

• Tips on hiring a contractor
• Conclusion

Chapter Ten - Glossary of Insurance Terms