However, before you are able to ask for accidental damage cover, an insurance staff will usually assess your characteristics and valuable properties around your house. The damage that will be covered by accident also includes buildings and their contents. For buildings, extra accidental damage covers accidents like drilling into a pipe or cable or putting your foot through the loft floor. On the other hand, contents that will be covered usually include accidental breakage of items like vases and ornaments, as well as do-it-yourself disasters like spilt paint on carpets or furniture. If you think that you will meet this accident around your house, you should consider asking the extra accidental policy.

You can ask for contents insurance quote and extra accidental damage cover to insurance company and ask them to discuss the best option that will suit with your lifestyle and financial condition.

Fact: The standard household insurance does not cover damage caused by floods. If you think you need flood coverage, you need a separate flood insurance.

Myth No. 2: The share of health insurance pay my homeowners have caused damage to my family and me.

Reality: Medpay, a common feature of standard home insurance is there to protect you if someone you or your family (a neighbor, friend, etc.) is injured on your property and do not want to pursue. Medpay cover is usually covered up to $ 1,000 for every need someone outside the family. If you or your family but is injured on your property that are not covered by your insurance.

Myth No. 3: If my house is lost, my insurance company to reimburse me for what I told them, they have to tell the time of loss.

Reality: covered in the event of a loss by your insurance company will ask you a list of everything you need to include specific details such as the purchase price, purchase date, to make include number series, etc. (Imagine trying this to be done from memory !) The best way to avoid this is to take stock of your house have already assembled. Use a list, as follows from: http://homeinsurance.com home insurance inventory list. Make sure you include photos, receipts, serial numbers and all that will help you prove ownership. Do not risk not replaced with a disaster. Make sure you keep your inventory in a safe, fireproof or a friend, then who else is there when you need it!

Myth No. 4: If I is an insurance claim house file, my home insurance premium increase permanent.

Reality: While many companies have the history in their home country claims, there are many other factors determine how much to pay for insurance. Filing an application for a period of several years, could not increase the insurance premium. To be on the safe side always think twice before complaining about low damage after your home. Consider your deductible. If the total cost of repair is not much more than your deductible, you may want to consider taking reparations. Although it may cost more on the front, which save you a higher premium. If due to bad luck, you need several for a period of several years and increases your premium, you can be sure there are other ways to save on your insurance. Ask your agent about discounts for home insurance. Sometimes the installation of a smoke detector, alarm, or by your car insurance policy of your landlord, you can save a lot of money.

Myth 5 all my valuables such as jewelry, will be covered in case of theft.

Fact: There are limits on the amount of coverage you can put valuable items such as jewelry, furs, etc get For example, most companies a maximum of $ 1,500 in total loss of jewelry in a burglary. If you find that their values more than $ 1,500 of jewelry, you should speak to an insurance agent from your home and provide a reference in its policy for additional coverage.

Myth 6: My home insurance covers mold and / or other matters related to lack of maintenance.

Reality: In fact, standard home insurance policy does not address issues related to lack of maintenance. For example, if a leak is plumbing, previously not done to the mold are not in the walls or the removal of mold and fix rehabilitation covered on your insurance. Remember that your insurance only protects you from damage caused by falling hazards such as wind, hail, lightning, fire and theft. Keep your home well maintained and safe for others is your responsibility to your insurance and risk protection is the reduction of food.

Myth No. 7: Insurance against floods is only for people in a flood zone.

Fact: The banks, as the bank that you apply your mortgage, you need to buy insurance against floods, if you live in a flood zone. But keep in mind that all households at risk of flooding and flood are standard housing policy does not cover you tied to home. Due to the recent flooding in the Midwest of the importance of this type of coverage for homeowners in an area of major floods has become even clearer. If your house is flooded and has no insurance against flood stand on their own to your home and its contents replaced. Insurance against flood is a good idea for all homeowners.

Myth # 8: I have on my blanket to save save money on my insurance.

Fact: The economy is not in the house insurance, you must give up important parts of your reporting. It is very important to always assured in the event of loss. However, there are many ways to save money on your home insurance may not include any change in your reporting. Discounts are for homeowners, alarm systems, smoke detectors, locks and other protective devices are available. Want more savings? Ask your agent to combine your home insurance and car insurance, you can usually save up to 15% in this way.

Using Myth No. 9: For the determination of my reports, you must purchase price of my house that my flat level of coverage.

Fact: A common mistake when homeowners get quotes for home insurance is that they use the purchase price of your home to determine the range of your home. However, the purchase price of your home includes the land under your house, do not need to be replaced in case of fire or other dangers to your home. For this reason, the coverage of your house always build up the cost of replacing your home or how much it would cost at home in the event of total loss again. To determine the amount that place more pictures of your home by local construction costs. You can help a computer http://homeinsurance.com/calculators/ household insurance, the amount, if necessary.

Myth # 10: You can not buy a house without having to buy mortgage insurance.

Fact: This is a sensitive issue. Because while you can buy a house without insurance (a lender may require, or can, though rarely, to pay cash for the house) is still a household insurance land you own. If the creditor is obligated or not, the danger is always there. It was