Homeowners Insurance - 6 Reasons to Buy:

Valuable pieces of art, antiques, valuable jewelry, collections of historical significance such as a stamp collections etc are not covered in basic homeowner's insurance policy plans. If items such as these are destroyed, they can never ever be brought back and the sentimental value cannot be quantified.

Valuables such as the ones mentioned previously are not covered against being stolen and if a homeowner so desires, losses against theft may be covered after the payment of additional premiums or riders as they are known in the insurance business. Typical premium levels for coverage range from $17 for a coverage of $1000 in loss resulting from the theft of jewelry.

Because theft is more common as compared to the destruction of homes and property, therefore the premiums charged for compensation in the event of a loss as a result of a theft is generally higher then that for the destruction of property (IEEE, 2004).

1. Introduction	7. Types of Homeowners Insurance
2. Origins of Homeowner Insurance	8. Mortgage Lenders REQUIRE Homeowner Insurance
3. Advantages of Homeowner Insurance	9. Peace of Mind for You and the Mortgage Company
4. Homeowner Insurance Personal Injury Coverage	10. Disadvantages of Mortgage Escrow
5. Home Contents Also Covered by Homeowners Insurance	11. Conclusion
6. Valuables NOT Covered by Homeowners Insurance	12. References

More than ever, quality homeowners insurance is an absolute necessity.  Without it, an accident or natural disaster could mean financial ruin to you or your family. 

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