1. By : Amerika Horton

2. Homeowners Insurance I chose this type of insurance because mainly everyone who has a home should have this type of insurance on their house.

3. Six Types of Homeowners Insurance Dwelling coverage protects against the damage and possible loss of your home’s structure in the event of a covered claim such as a hurricane, hail, lightening or fire. (Separate policies are needed for flood and earthquake insurance.) This portion of your policy pays to replace the structural components of your home Dwelling Personal Property coverage is included in a standard home insurance policy and protects your personal items and household contents in the event they are stolen or destroyed by fire, hurricane or other peril covered in your policy. These items may include, but are not limited to, furniture, clothing, and sports equipment. Personal Property Medical Payments coverage (often referred to as MedPay) helps cover medical expenses that you might be held responsible for due to an injury sustained on your property when there is no lawsuit. Medical Payments

4. & what they cover Personal Liability Protection covers you in the event that a lawsuit is presented against you or covered family members for bodily injury or property damage. Your pets are also included in this portion of your policy protecting you against bodily harm or property damage that they may cause to others. Personal Liability Protection Other Structures that are protected by a standard home insurance policy are detached garages and other detached buildings on your property. The typical coverage for other structures is 10% of your dwelling coverage-although higher amounts may be purchased if necessary Other Structures Other Structures that are protected by a standard home insurance policy are detached garages and other detached buildings on your property. The typical coverage for other structures is 10% of your dwelling coverage-although higher amounts may be purchased if necessary Other Structures

5. Meet Tom. Tom is a 40 year old who is Married to Susan & has two kids Jack & Mary. Tom is a Doctor and is making about 100,000 a year. But is struggling to keep up with his school loans. Tom lives in Florida where there is a lot of tropical storms and hurricanes. And at the looks of things he cant afford getting his home wrecked and having to pay the whole thing.

6. The Premium. ????? Can’t Find Out....

7. Story Time... Its currently Hurricane season, and the weather man is saying that a there will be a category 5 hurricane coming next week..... The Hurricane comes and rips off Toms roof... Luckly Tom has Dwelling Homeowners insurance. And They pay 75% of the cost of Toms Roof replacement.

8. New Homeeeee