Residential Insurance Home-Renters

Residential Insurance: Homeowners and Renters Introduction ...................................................................... 4 Getting the Most for Your Insurance Dollar.................... 5 Shopping for Insurance.................................................... 6 Dealing With a Broker-Agent.............................................7 Discounts............................................................................ 8 What is Covered by Homeowners Insurance?...................8 • Coverage A — Dwelling • Coverage B — Other Structures • Coverage C — Personal Property • Coverage D — Loss of Use • Coverage E — Personal Liability • Coverage F — Medical Payments to Others • Perils Generally Covered and Not Covered by a Homeowners Policy Renters Insurance........................................................... 12 Condominium Insurance............................................... 13 What Limits Should I Set on My Policy..........................14 Broker Disclosure...................................................Pull-out Will My Policy Completely and Totally Replace My Home If It Is Destroyed?................................................ 17 TABLE OF CONTENTS