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    uate that cost or you can contact your local real estate agent or builders association and find out what the current cost-per-square foot is for a similar home.

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    A home insurance quote is based on several factors and your premium may be different depending on the coverages you get and the company that insures you. Here is some basic information to consider when shopping for home owner insurance.

    Most home owners need insurance coverage for:

    The actual home

    Personal possessions

    Liability

    Living expenses if the home is uninhabitable due to a loss

    Your home -- At the least, you need enough coverage to pay for the costs to rebuild your home. Base this amount on current construction costs, not the price you paid for your home. An insurance agent can help you evaluate that cost or you can contact your local real estate agent or builders association and find out what the current cost-per-square foot is for a similar home.

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    e is some basic information to consider when shopping for home owner insurance.

    Most home owners need insurance coverage for:

    The actual home

    Personal possessions

    Liability

    Living expenses if the home is uninhabitable due to a loss

    Your home -- At the least, you need enough coverage to pay for the costs to rebuild your home. Base this amount on current construction costs, not the price you paid for your home. An insurance agent can help you evaluate that cost or you can contact your local real estate agent or builders association and find out what the current cost-per-square foot is for a similar home.

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    Liability

    Living expenses if the home is uninhabitable due to a loss

    Your home -- At the least, you need enough coverage to pay for the costs to rebuild your home. Base this amount on current construction costs, not the price you paid for your home. An insurance agent can help you evaluate that cost or you can contact your local real estate agent or builders association and find out what the current cost-per-square foot is for a similar home.

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    o pay for the costs to rebuild your home. Base this amount on current construction costs, not the price you paid for your home. An insurance agent can help you evaluate that cost or you can contact your local real estate agent or builders association and find out what the current cost-per-square foot is for a similar home.

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    uate that cost or you can contact your local real estate agent or builders association and find out what the current cost-per-square foot is for a similar home.

    Your possessions -- The typical home owner policy also provides coverage for your personal belongings -- furniture, computer, clothing, etc. -- up to a certain percentage of the protection on your home. Try to estimate how much it would cost you to replace your possessions and then decide if this percentage will be enough. You can always increase the limits of coverage, or insure expensive items with a special endorsement.

    Liability -- Your home owner policy also covers liability to others if you are sued for bodily injury or property damage that you, a family member or a pet caused. Find out what the standard coverage is in

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