HOMEOWNERS
Homeowners insurance provides financial protection for your home and personal property. Coverage under your homeowners policy extends to not just physical structure of your home, but also includes:

Loss or damage to your home, including fire, vandalism, theft and some natural disasters

Replacement of personal property- home furnishings, clothing and household items

Cost of alternative housing while your home is being repaired

Liability coverage arising for accidental injuries
that occur on your property

Homeowners receive both property and liability
coverage conveniently in one package

RENTERS
Landlords have insurance to cover the house or apartment structure, but will not cover your personal property loss in the event of a disaster. Renters insurance is similar to Homeowners insurance in that it covers the loss of personal property, the extra expense of living elsewhere while your home is being repaired, and liability coverage.

FARM AND RANCH
Farming typically includes real and personal property, such as farm equipment, livestock and buildings. Losses not only result from perils like fire and windstorm, but also from unique risks, such as the destruction of crops or loss of livestock. Areas to consider when discussing insurance needs include:

Farm house and personal property; includes clothes,
furniture and appliances

Out buildings - coverage of farm buildings and structures

Farm liability - liability coverage for accidental injuries

Farm equipment and vehicles

Livestock - coverage extends to accidents

Transportation floater - coverage for farm property while in transit

Crop insurance - covers growing crops from loss or damaged to perils such as insect infestation and hostile weather conditions

Workers Compensation Insurance

Although some of these options may not be necessary for everyone, a conversation to determine suitability will provide you with the peace of mind to make sure your farming interest is properly protected.

OTHER DWELLINGS
Insurance should not be limited to only your primary residence. Don't forget to think about your family's summer home, waterfront property or condominium. Since property owners need enough insurance to rebuild at current construction costs, coverage should be periodical reviewed to ensure you continue to have the right amount.