1. Homeowners Insurance (The "Standard" Policy)

For those who own and live in their single-family home.

Your home is likely your biggest financial asset. A standard Homeowners policy (often called HO-3) protects that investment from the unexpected.

What it covers: The physical structure of your house (roof, walls, foundation), other structures (like a detached garage or fence), and your personal belongings (furniture, electronics, clothes).

Key Benefit: It includes Liability Coverage. If a guest slips on your icy driveway or your dog accidentally bites a neighbor, this coverage helps pay for medical bills and legal fees, protecting your savings.

Did you know? Most policies also cover "Additional Living Expenses." If a fire forces you to move out during repairs, this pays for your hotel and food costs.

2. Condo Insurance

For those who own a unit within a condominium association.

Condo living is different because you share ownership of the building exterior with your neighbors. You need a specialized policy (HO-6) that complements your HOA’s "Master Policy."

The "Walls-In" Rule: Your HOA usually insures the roof and exterior walls. You are responsible for everything inside the drywall—from your kitchen cabinets and flooring to your personal stuff.

Loss Assessment Coverage: If the HOA is sued or suffers a major loss (like a clubhouse fire) that exceeds their insurance limits, they may send a bill to all unit owners. A good condo policy helps pay your share of that bill.

3. Landlord Insurance (Dwelling Fire Policy)

For property owners renting homes to tenants.

Warning: A standard Homeowners policy usually will not cover a claim if you are renting the property to someone else. You need a Landlord policy.

Protect Your Income: The biggest risk for landlords isn't just fire—it's Loss of Rent. If a storm makes your rental uninhabitable, this coverage replaces the rental income you lose while repairs are being made.

Liability is Key: If a tenant injures themselves on a broken step and sues you, this policy is your first line of defense.

What about their stuff? This policy covers the building, not the tenant's TV or clothes. (See "Renters Insurance" below).

4. Renters Insurance

For tenants who want to protect their belongings.

Many renters assume their landlord's insurance covers their personal items. It does not. If the building burns down, the landlord gets money to rebuild; you get nothing for your lost possessions unless you have Renters Insurance.

It’s Inexpensive: For typically the price of two pizzas a month, you can protect thousands of dollars worth of electronics, wardrobe, and furniture.

Portable Protection: Your coverage often travels with you. If your laptop is stolen from your car or a hotel room while traveling, your renters insurance may still cover it.

Liability Protection: If you accidentally leave the bathtub running and flood the apartment below you, your liability coverage can help pay for the damages to the neighbor's property.

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