From NAR
NAR’s Consumer Guide to Homeowners Insurance is a helpful resource for buyers who want to better understand how their property is protected after closing.
The guide explains what homeowners insurance typically covers, including the structure of the home, personal belongings, and liability protection. It also highlights what is not usually included, such as flood or earthquake damage, and may require separate policies. In addition, it walks through how coverage limits, deductibles, and premiums can vary based on the home and location.
For REALTORS®, this guide is a practical way to help clients think beyond the purchase itself. Talking through insurance early in the process can help buyers budget more accurately, avoid surprises, and feel more confident as they move toward closing.
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