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Everyone should have their house and their contents insured since if you suffer a major loss this would bankrupt many people and leave you homeless with no assets to fall back on. Many people cannot think of a worse thing to happen to anyone. That is the simple reason why many people purchase house insurance to insure their home as well as their contents. Another area many people do not think about is the liability claim if someone were to hurt him or herself or suffer some damage while at you home. A lawsuit can be equally damaging if someone falls in your house and launches a lawsuit for negligence.

There are a number of things to consider when purchasing insurance for your home. First of all you will want to insure the value of your home less the cost of the land. The land is not going anywhere and insuring it may just cost you money. Also you should calculate the market value of your home and the cost to rebuild your home especially if it is damaged beyond repair by fire for example. You will want to make sure that there is adequate insurance to cover the total rebuild, without improvements. Improvements would have to be funded by the homeowner.

Secondly, the contents of your home should be insured. This is a bit more difficult since many people collect things over time and really do not realize what they have. If you are up to it you should a) take picture of all aspects of your home as a record, b) a video camera is also good. C) The best approach is to list everything you have in the home and the original cost of the item. If you have a claim you will still have to do this, only it will be from memory and not from a list or photos. Select replacement cost for your contents. This way you will be able to replace items at the inflated cost and not the original cost of the item. Remember to store your list or photos away from your home.

Last look at liability insurance, sewer backup, water damage and other riders such as student insurance if offered. You will also want to understand if your personal items are covered while you are away from home.

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