You need enough home insurance to cover the structure of your home, your personal possessions and the cost of additional living expenses if your home is damaged and you have to live elsewhere during repairs.

For most of us, our home is more than just a source of pride and security ? it's the largest investment we will ever make. Yet many people are unsure of the home insurance coverage they need to protect their home.

The home insurance company which offers you the best deal may not necessarily be the one which offers the best deal to your friend, neighbour, work colleague, or your relative.

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.

When shopping for home insurance, there?s much more to consider than how much your coverage will cost. When you apply for home insurance, you?ll provide a great deal of information.

When applying for a home insurance policy you will need to give a lot of information to the institution who will be providing your cover. You don't have to be tied to your mortgage provider for your home insurance.

The proper home insurance coverage consists of getting the right type of policy, having the proper levels of protection within that policy, including special provisions for jewelry, computers, etc., and supplementing this coverage with special protection against natural disasters that aren't included in your basic policy.

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.

The more home insurance companies join the market, the more competition there is, and the better your chances of finding cheap home insurance, so it just depends where you look and how you look.

If your home is severely damaged and you need to find other accommodations while repairs are being made, keep records of all additional expenses incurred. Most homeowners? insurance policies provide coverage for the ?loss of use? of your home.