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How To Maintain Adequate Homeowners Insurance Coverage
How To Maintain Adequate Homeowners Insurance Coverage
In the aftermath of Hurricane Sandy, stories have emerged of homeowners whose hazard insurance coverage was too low to cover the damage to their respective properties. 
Unfortunately, this scenario is common among U.S. homeowners, and is not just limited to damage from natural disasters. Homeowners in Montgomery County and nationwide are often woefully under-insured against catastrophe in its many forms.
Whether you're buying a home, or own one already, revisit your hazard insurance policy choices and be sure that your bases are covered.
Here are four common components of a homeowners insurance policy :
Dwelling/Building Coverage  Look for the amount listed under this section and divide it by the square footage of your home. Talk to your insurance agent, your real estate agent and perhaps even your contractor to determine whether your current coverage is sufficient. Be sure to consider lot size and building materials.
Liability Protection What if a person is injured on your property and decides to sue? Whether your dog bit someone's hand or a guest slipped on a wet floor, lawsuits can be expensive. Most liability policies start at $100,000.
Valuable Add-Ons Few homeowners policies cover valuables such as art, jewelry, antiques, gold, or wine ... more

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