The right amount of home insurance depends on the value of your home plus how much you have in personal property and assets. In case of a claim, you need enough coverage to rebuild your home, replace your belongings, and protect your wallet—if you're liable for someone else's injuries or damages. Additionally, you need coverage for daily expenses if you can't occupy your home while it's being repaired due to a covered loss.

Making sure you're properly protected on your home insurance policy involves checking the limits on four separate coverages: dwelling, personal property, liability and loss of use:

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Moving into a newly purchased home can be one of the most stressful and challenging life moments for any homeowner. An important part of the process of purchasing a home, aside from the financial considerations, is the required home inspection. Once you make an offer on a home, it is critical to have a licensed home inspector go over it with a fine-toothed comb before you finalize the purchase. As the home buyer, it is your responsibility to choose an inspector wisely and stay involved through the entire process.

You might consider checking to see if there are any professional memberships or associations in your area that can recommend a licensed inspector. A helpful tool like the one available from the American Society of Home Inspectors might be a good place to start your search for a licensed home inspector in your area.

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