The proper home insurance coverage consists of buying the right type of policy, having the proper levels of protection within that policy -- including special provisions for jewelry, your computer and other particularly valuable possessions.

Many factors go into determining the premiums for a home insurance policy: the age of your home, the materials used to build it, where it?s located, the square footage, and the number of rooms all play a role.

Make sure you understand which provisions are included in the standard home insurance coverage you elect to purchase and which might require supplemental premiums.

Home insurance companies want to know the type of heat, the location on any fuel oil storage tank, and the condition of the home, inside and out, as well as the condition of the foundation.

An inventory of your possessions not only helps you determine how much homeowner's insurance you should carry, but it can also help you get your things replaced (or returned) if they should be stolen.

If someone has become injured on your property or if a violent storm destroys your home, you will need to file a claim with your home insurance company. Insurance policies place a time limit on filing claims.

An inventory of your possessions not only helps you determine how much homeowner's insurance you should carry, but it can also help you get your things replaced (or returned) if they should be stolen.

Unless you took advantage of a special mortgage deal where you agreed to buy their home insurance then you are free to use independent insurers for your house protection.

Home insurance companies differ greatly in how they insure older homes. Some home insurance policies won?t insure older homes for the replacement cost because of the expense of re-creating special features like wall and ceiling moldings and carvings.

Most home insurance policies have features that allow you to custom design a policy that's right for you. Traditional home insurance programs offer protection for your home's structures, protection for your personal property, and liability coverages.

The amount you pay for home insurance is dependent on a number of factors, which and how they apply to your circumstances are used to assess your risk to the home insurance company.

Standard home insurance policies provide coverage for disasters such as damage due to fire, lightning, hail, explosions and theft and they do not cover floods, earthquakes or damage caused by lack of routine maintenance.