Home insurance is one of those things that you buy, hoping that you’ll never need to use it therefore why not get a quote from quoteclix and see if you are paying too much for homeowners insurance? The homeowners insurance generally protects your property and protects you against any liability claims of injury made on you. It also covers any damage that may be caused by pets or thefts in your home.

However some losses like floods may not be covered in this insurance. And if you run a home business, you will need a different business liability policy as your homeowners policy may not cover the worth of your business assets. The homeowners insurance policy should basically cover the structure of your home, the personal property like furniture, clothing and electronics in your home, other structures in the land of your home, the expenses that are incurred when you have to live somewhere else when renovating and someone gets hurt in your home and you are at fault.