How to Read Your Homeowners Insurance Policy

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Your home is likely your most valuable asset, and a homeowners insurance policy is an important part of protecting your home and your belongings. If you have a mortgage on your home, your lender probably required you to get an insurance policy that will protect the lender’s interest. Because it provides such broad coverage including both property, liability and workers’ compensation coverage for household employees, most homeowners will obtain a homeowners policy if they expect to occupy the property. Even without a mortgage, homeowners insurance is still your best bet to protect your investment in the home and your exposure to liability.

But do you even know what’s in your policy? Would you know your coverage in the event of an emergency? Are you underinsured?  Are you overinsured?