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All policies will include both property insurance (typically with a $250 or higher deductible) and personal liability insurance with no deductible. Let's look at some other issues:
IMPORTANT NOTE: If you are single and buying as live-togethers, be very careful about your insurance. Some companies will cover all owners on one policy, others will not. Most carriers will now cover both parties if they are named on the deed. However, if only one individual is a titled owner of the dwelling, then the other person (non-owner) needs to obtain a tenant's policy to protect their personal property and personal liability.
IMPORTANT NOTE: Many states require the purchase of Workers' Compensation insurance for your domestic household workers as part of your homeowner's policy. The rules in each state vary widely, so check with your insurance broker or state employment office to see how this affects you.
Securities and Investment Advisory Services are offered through LPL Financial, a Registered Investment Advisor, member FINRA/SIPC. Insurance products are offered through LPL Financial or its licensed affiliates. Heartland Planning Associates is a trade name of Heartland Bank. Heartland Bank and Heartland Planning Associates are not a registered broker/dealers and are not affiliated with LPL Financial. The investment products sold through LPL Financial are not insured Heartland Bank deposits and are not FDIC insured. These products are not obligations of Heartland Bank and are not endorsed, recommended or guaranteed by Heartland Bank or any other government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible. The LPL Financial representatives associated with this website may discuss and/or transact securities business only with residents of the following state: Ohio. Check the background of investment professionals associated with this site on FINRA's BrokerCheck.
|Not Insured by FDIC or Any Other
|Not Bank Deposits or