Home insurance is multifaceted. It offers liability coverage, damage coverage, and more in a wide variety of situations.

It may be in the mid-70s today, but let’s be real. It’s mid-October which means we could experience single-digit weather any day now.

If you’re currently shopping for car insurance, you may have come across carriers offering six-month policies in addition to twelve month insurance policies. While twelve-months or annual policies are typically the standard duration, certain carriers will occasionally have shorter-term policies as an option.

So … you’re closing on a home. Your offer has been accepted, your mortgage secured, you have applied for home insurance, and you have had a detailed foundation-to-roof inspection of the entire home.

You paid cash for your home and don’t have a mortgage? Whaaaat? Congratulations, that’s a HUGE accomplishment!

So, you know homeowners insurance covers all the “stuff” in your home, but what if that stuff isn’t actually inside your house?