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 If you have tangible assets, you need the protection of a homeowners insurance policy. These policies cover you in a home or an apartment, whether you are an owner or a renter. A well written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home. 

 Damage caused by most disasters is covered, but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage.

Maintenance-related problems are the homeowners’ responsibility.

 Condominium policies help protect your personal property and the interior of your unit. You will also have liability protection for bodily injury or property damage to others. It's easy to get a quote for a condominium insurance policy that will provide these coverages. 

 Every association’s insurance policy is different regarding what each unit owner is responsible for, so it is important to review your association policy and condominium by-laws carefully. 

 Personal condo insurance is very affordable when you consider the protection it provides 

 If you live in a rented house or apartment, you'll need renters insurance to protect your personal property. Renters insurance pays to repair or replace your clothes, furniture, electronic and other property if they’re stolen or damaged. Renters insurance won't pay to fix the house or apartment building if it's damaged. The building owner's insurance policy covers that.

Some landlords might require you to buy renters insurance as a condition of your lease.