Home insurance provides peace of mind for your largest single investment. Although it is possible to avoid home insurance premiums and live uninsured, the cost of home replacement or renovation in the event of a disaster is always far greater than the cost of the insurance premiums.

Home insurance differs greatly depending on the type of home you live in, the area where your home is located, and if you have had any home owners insurance claims in the past. Both rates and coverage options will be dramatically different between areas as well as often between companies.

Home insurance can be purchased separately from any other type of insurance or it may be part of a whole package of insurance that could include automobile insurance, personal liability insurance, health insurance or specific insurance such as flood insurance. Often packages make rates slightly more reasonable but this is not always the case.