Search Deals on Preforeclosure Properties!

 Other types of coverage 

Liability Coverage
This coverage is part of your Homeowner's Insurance Policy. It serves to protect you against property or personal injury claims filed against you for accidents happening on your property. It also protects you and members of your family if you are responsible for damage to someone else's property or someone else's injury. Substantial limits may be included in your basic policy but Personal Liability Umbrellas are recommended.

Personal Liability Umbrella
This would supplement your basic policy, providing additional personal liability protection after your basic liability limits are exhausted. It is normally offered in increments of $1 million. It normally adds limits to both your automobiles as well as your Homeowners. In case of a law suit, this policy will cover your legal expenses including court costs.

Mortgage Insurance
This is a type of life insurance for the head of household breadwinner. This is an insurance that specifically takes care of paying off any outstanding mortgage balance at a person's death. The insurance may be made payable to a family beneficiary rather than the mortgage company. The beneficiary can then use the money to pay towards to mortgage. Used in this way, it is simply an additional form of life insurance. Less expensive rates may/may not apply.

Personal Article Floater
There are special limits for jewelry, watches, furs, silverware, firearms and computers. You may need a Personal Article Floater to extend your basic coverage.