If you have tangible assets, you need the protection of a homeowners insurance policy. A well-written homeowners policy will pay to replace your dwelling and personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.
The cost of this coverage is determined by many rating factors. The quality of the coverage, however, is determined by whether the policy is written on a named perils or all-risk basis. A named-perils policy covers only those losses specifically cited in the contract. The all-risk policy works the opposite way — unless a peril is specifically excluded, coverage is provided. The all-risk policy is broader and the burden of proof is on the carrier, not you, in the event of a loss.
Apple Insurance Services offers free, comparative quotes on homeowners insurance from multiple insurance carriers so you can get the best possible rate.
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