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Many people assume that homeowners’ insurance policies are one-size-fits all, but the same care should be taken to protect a buyer’s investment as the care that went into buying just the right house.  An insurance policy should be custom tailored to fit the needs and preferences of the home owner. 

For example, a property used only by the owner as a second home could have a policy much like that of an owner who lives in his home full-time.   However, if the owner decides to rent his second home to others when he’s not using it, then a different type of policy is required.

Just a few of the basic factors that determine how the insurance fits the owner and his property include the home’s cost to rebuild, its location, the shape of the roof, its…

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