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Damage to property of others: This is like a little liability coverage for property damage you or a household family member might cause. The umbrella policy discussed in the Auto section could also provide coverage here. If you need to have enough so that if sued the person suing will not go after your assets. Here we have the same situation as with Auto insurance. This coverage does not cover resident family members or someone working at your home. The limits under this coverage are usually $1,000. Often companies limit this coverage to one year, and that can be a problem. Others say they will pay whatever that actual cost is.

Most companies give you a specific dollar amount for coverage. It also gives some money for the extra cost of eating out. If your home burns down or there is so much smoke damage from a smaller fire that you need to be put up somewhere, this coverage pays for a hotel room, condo, rental house until you can get back into your home. Insurance companies would rather pay under this coverage and handle it quickly because it lessens the risk of being sued for more.

This coverage will pay for that. Even if he has medical coverage, he might seek damages to cover the deductible. A great example is when my nine-year-old son was sure he could hit a golf ball over the neighbor's house, but only got it as high as the first floor window. Say a friend comes over and slips on the stairs, requiring stitches. This is liability coverage designed to take care of people who get injured while at your home. If your company gives you two years of benefits under this coverage, you should be fine. Be sure to stay on top of the claims and building process. In many cases, the chances of you getting the old home taken down and a new one built all within a year are small.