Top pick: Allstate home insurance
- Local agents & mobile app
- Save with bundling & discounts
- Homesharing insurance
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Homeowners insurance can protect your home and its belongings from a range of potential risks, but how much you’ll get in the event of a claim can depend on your policy type and ability to prove the ownership and worth of any lost or damaged items.
Homeowners insurance can protect both your house and its belongings. Many policies can also protect you against liability if someone gets hurt while on your property.
|Coverage type and what it covers||Policy compensation methods|
If something happens to your home or belongings, you can file a claim with your insurance company to help cover the cost.
Creating an inventory of your home and contents is vital as many insurers require you to submit one if you place a claim, which means having an outdated and incomplete inventory, or none at all, can result in lengthy delays or lower-than-expected payouts.
The most straightforward method of putting one together is to go through your property room by room and make a record of your possessions and their approximate value. You can keep track of everything online, in a hard copy or through a computer or smartphone app. To create a thorough inventory:
While homeowners insurance is there to safeguard you against the unplanned and unexpected, there are some simple precautions you can take to avoid some of the most common causes of claims.
To give yourself the best possible coverage and ensure that your claims are processed quickly and successfully, remember to:
Taking steps as soon as you get your homeowners policy, like photographing your belongings and having expensive items appraised, can make things a lot easier when you need to file a claim. You can also compare homeowners insurance policies to find a company with a reputation for an easy claims process.
Image source: Getty Images
Here’s where to get financial help for yourself and your business if you’ve been affected by the storm in February 2021.
Learn cost-sharing terms to find out how much you’ll really pay for healthcare.
This fintech just branched out into low-cost life insurance — but its lineup is limited.
A health savings account (HSA) can help you get prepared for your retirement. Learn more.
Transform your home without leaving insurance gaps while your home’s under construction.
A no-exam policy may work best, but shop around if you’re in good health otherwise.
Reflect on the costliest disasters of 2020 — and make sure you have the insurance that covers them.
Learn which states are making it easier for you to get workers compensation if you get sick from the coronavirus and which jobs qualify.
Plus, 2 you can’t.
Preliminary data on fatal accidents and driving behavior could explain why drivers haven’t seen higher insurance refunds.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.