Do you know that home owners insurance does not just cover the home and its contents? It also covers events or incidents that take place on the property e.
g.
if during this winter season the snow has been falling and you have not had the time to clear your side walk; if anybody comes into the compound and accidentally slips on the ice and breaks or sprains his leg, the home owners insurance takes care of the medical bills but if you as a home owner has no home owner insurance policy then you become responsible for clearing the medical bills.
So home insurance policy covers more than the home and the content and its therefore a worthwhile policy so that whatever happens on the property, the policy is liable even though the owner is not directly involved as long as the incident takes place on the property legally the insurance company takes care of the medical bills.
Home cover policy rates vary widely and it is according to locations; for instance places like central North Carolina has low home and renters cover premiums and rates when compared to places like Florida and some western parts of the United States whose rates are high.
You are advised to speak with your insurance broker about the policy and the medical coverage and if you are renting take out a policy on the home as well.
This will give the home double coverage in case of any accident and the homeowner is faced with big medical bills even when he is not directly at fault.
How do you go about getting professional help and free consultation for your home cover needs? Where To Start?