You are here: Home Insurance Homeowners/Renters ... Summary
Information about all aspects of finances affected by a serious health condition. Includes income sources such as work, investments, and private and government disability programs, and expenses such as medical bills, and how to deal with financial problems.
Information about all aspects of health care from choosing a doctor and treatment, staying safe in a hospital, to end of life care. Includes how to obtain, choose and maximize health insurance policies.
Answers to your practical questions such as how to travel safely despite your health condition, how to avoid getting infected by a pet, and what to say or not say to an insurance company.

Content Overview

Homeowners/Renters Insurance



Whether you own or rent your home, Homeowners Insurance is one of the "must-have" basics for a person coping with a health condition. It protects against an unexpected large economic loss due to damage to your premises, theft of your belongings, or for someone injured on your premises.

There are Homeowners policies for owners and for renters.

The most common form of Homeowners Insurance is "all risks," though there are some policies which are specified risks.

Homeowners insurance covers:

  • Damage to your dwelling.
  • The contents in your dwelling.
  • Your personal property both on and off the premises.
  • Liability to people injured on the premises.
  • Additional coverages.

It is preferable to get insurance in an amount that covers replacement cost instead of "actual cash value,." and to get insurance at least equal to the amount required by the co-insurance clause.

A Homeowners Insurance policy does not cover against earthquake or flood.

Do what you can to prevent a loss. For example, eliminate fire and tripping hazards. Use surge suppressors to protect electronic equipment from lightning and other damage. Install a burglar alarm. For ideas for protecting your assets from a disaster, go to the website of the Insurance Institute for Business & Home offsite link

For more information, see: 


  • Read the policy disclosures, renewal contracts and updates from your insurer.
  • It is easy to keep an inventory of everything in your home on line. For example, consider the following:

Please share how this information is useful to you. 0 Comments


Post a Comment Have something to add to this topic? Contact Us.

Characters remaining:

  • Allowed markup: <a> <i> <b> <em> <u> <s> <strong> <code> <pre> <p>
    All other tags will be stripped.