The proper home insurance coverage consists of buying the right type of policy, having the proper levels of protection within that policy -- including special provisions for jewelry, your computer and other particularly valuable possessions -- and supplementing this coverage with special protection against natural disasters that are not covered in your basic policy.

Homeowners with mortgages are required by their lenders to have home insurance. Many people may think that the policy terms required by their lenders represent "OK" levels of insurance, but this may not be true. Lenders want to make sure their exposure is covered, but that can happen without you being fully protected. Thus, it's important that you calculate your needs as well and make sure they are reflected in your coverage.

Seven basic policies

There are seven basic kinds of home insurance policies and they're pretty much the same regardless of where you live (except for Texas). They tend to be defined by the perils they cover:

For more information about these policies or for a free home insurance quote just 'Left Click' on the HOME button on the right side of your screen.

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