Many buyers like to "shop" their homeowners insurance coverage looking for the best deal they can find. It's hard to disagree with looking for a deal these days, but it is very important to discuss with your agent exactly what is covered by the policy.
There are many policies that cover fire damage only. With all the catastrophies we see happening around the U.S. today, you might want to consider adding additional coverages to your policy. Things that immediately come to mind are:
- Tornado & Hurricane damage
- Earthquake damage
- Flood damage
Better safe than sorry. Be sure and discuss all types of coverages with your agent, then you can make the determination how much risk you are willing to take by leaving certain items out.
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