For most of us our home is our most valuable asset. Therefore we need coverage that can help repaire or replace it in times of need. When choosing a home insurance company it is so important not just to look at price but to look at coverages. Homeowners policies can cover not only your home but other structures on the lot such as sheds and pool houses. They also cover personal property at different rates and levels its important to let your agent know whats valuable to you in your home in order to apply the proper coverages or fit you with the right company.