大多数火灾都是毁灭性的. Besides the emotional impact, the physical damage to your home can be significant. 如果你的房子在火灾中失去了，你有足够的保险来替换你的房子和里面的东西吗? 还记得, 建筑材料和建筑成本的通货膨胀率很少与房地产价值挂钩. As a result, rebuilding a home can often cost significantly more than expected.

Make sure your homeowners policy contains replacement cost coverage with no cap. 如果重建房屋的费用高于你目前的保险限额，这将保护你. And, be sure that your insurance includes rebuilding your home to code. 通常，地方法规和建筑规范会随着时间的推移而改变，这可能需要额外的成本.

When your home suffers damage due to an unexpected event, your personal property is also at risk. 家具, 电器, 服装, 电子产品, 其他个人物品也可能被损坏或毁坏.

Your homeowners insurance policy typically covers personal property, 包括您家中的物品和您或与您同住的家庭成员拥有的其他个人物品. 确保你的房主政策包括个人财产的重置费用保险，这样你就能得到更换任何损坏物品的全部费用.

When there is substantial damage to your home due to unexpected events such as lightning, 火, 或是暴风雨, 在你的房子修复或重建之前，你可能无法住在你的房子里——这可能会产生额外的住宿生活费用, 食物, 以及其他日常需要.

确保你的房主保险政策提供额外的生活费用或使用损失保险，以补偿你在合理的住房和生活费用中产生的额外费用，如果一个保险事件使你的房子在修理或重建期间暂时无法居住.

通常, there is a sublimit on homeowner insurance policies for valuable possessions, 比如珠宝, 皮草, 美术, 和其他收藏品.

购买一个个人漂浮物或安排你的贵重物品，以确保你有足够的钱来更换它们.

如果客人在你的房子里受伤, 即使是因为一场棒球友谊赛, you may be required to pay any medical expenses associated with their injury.

你的房主政策应该包括医疗费用，以照顾受伤和治疗-通常不是严重的性质. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.

In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.

您的房主政策包括个人责任保险，以应对发生在您可能被视为疏忽的第三方的伤害或损害事件. 然而, 您应该考虑购买个人保护伞或超额责任保险，以提供额外的保险范围，以保护您的资产，以防对您提起诉讼.

在后院放蹦床带来的乐趣也可能伴随着严重的风险, 由于保险范围因州和保险公司的不同而不同，您的标准房主保险政策可能不包括哪些.

You should make sure your homeowners insurance policy covers your trampoline, 由于许多保险公司拒绝承担蹦床责任，并将该项目排除在保险范围之外.

年轻人通常在网上非常活跃. 然而, 使用社交媒体和其他网站会增加他们直接或间接损害他人声誉和暴露你的可能性, 父, 打一场官司.

你的房主保险政策包括家庭中任何成员造成的财产损失的责任保险, but likely does not cover rumors or statements that damage a reputation. 你可能需要寻求额外的保险范围，包括人身伤害或诽谤的责任保护.

你邀请客人来参加泳池派对，其中一位客人跳入泳池的浅水区，受到了永久性的伤害. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. 你有足够的积蓄来支付你的法律责任和法律辩护费用吗?

保护伞或超额责任保险通过在你现有的汽车上增加保护来增加你的个人责任限额, 船, or homeowners policies-providing financial value and security. 超额责任保险可以通过您的房主政策背书或作为单独的保险.

You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. 你的房屋保险不包括水灾造成的损失. 你的家有危险吗?

购买洪水保险，以保护您的房屋和承保物品免受国家洪水保险计划指定的某些类型的洪水损失. 洪水保险是通过联邦计划(NFIP)作为单独的保险购买的，也可以通过被称为“自行承保”的保险公司购买.

Owning a secondary home has the potential of increasing your liability exposures.

确保你在你的房主政策下扩大责任范围，包括你的第二套房. 你亦应考虑将第二居所纳入超额责任或总括性保险，以提供额外的责任限额.

收藏家或经典车辆通常具有重要价值，需要特殊的文件和独特的保险范围，以确保它们得到充分的保护. Even if stored on your property, they are typically not covered under your homeowners insurance.

为你的收藏车投保，找一家专门的保险公司，该公司关注并了解收藏车或经典车和其他车辆的独特性质.

如果你是葡萄酒鉴赏家, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. 然而, 损害只有在你的房主政策中列出的损失原因中才可投保. 免赔额也适用.

如果你有大量的葡萄酒收藏, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.

Whether entering from outside your home from a flood or from within your home’s plumbing system, 水灾是造成家庭损失的最常见原因. Many policies exclude losses caused by backup of sewers and drains, and all unendorsed homeowner policies exclude damage caused by a flood.

Careful review is essential to protect your home and belongings from all sources of water damage. We recommend coverage solutions from insurance companies that include backup of sewers and drains. Also, identify cost efficient solutions to address the risk of flood damage in the first place.

令人惊讶的是, standard auto insurance does not cover personal property or contents stolen from your car.

Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.