When looking for the best homeowners insurance deals, be sure to check out exactly what is being offered for the coverage. Loss due to fire or theft is practically a given for a homeowners insurance policy. However, be certain to know exactly what is and is not covered under the theft clause. Some policies even cover theft of items from cars you own. Auto insurance usually does not cover theft of personal items from vehicles even if they do cover the broken window the thief caused to steal the items.

Things that are usually not covered in a standard homeowners policy are flood and earthquake damage. You do not have to live next to a waterway to be flooded. Hillside runoff, broken city water mains, the liner splitting on a neighbor’s pool and other sources of thousands of gallons of rushing water can instantly flood a home. The water main on your street may be big enough to stand inside of and capable of dumping thousands of gallons of highly pressurized water per minute if it breaks. How many times have you seen incidences of this type of flooding on the local news?

Complete coverage for loss is also another option. Instead of the fair value for an older item, see what the premiums are for true replacement cost insurance coverage. This way items lost due to a covered event can be replaced with new versions of the same items. This includes everything from furniture to television sets and major appliances. Even your clothes! That is just the contents, and you need to make sure the structure is adequately provided for too. A house that costs a 150 grand today will take much more to rebuild years from now if it is lost during a fire or natural disaster. Adequate and affordable homeowners insurance deals are available.