When you’re offered travel insurance when booking a flight, do you usually skip over it to avoid the extra fee? The answer would probably depend on your sense of risk aversion.

Questions of valuables insurance providers.

Questions to ask insurers about their homeowners insurance policy.

There are three kinds of home insurance companies

You want to get a home-insurance policy that will pay you enough to entirely rebuild your home were it wiped off the map

To insure your valuables, simply call your insurance agent or insurer to discuss making additions to your existing homeowner’s or renter’s policy.

Paying additional sums to cover your valuables is a bit of a toss up.

Some good news and bad news: You’ll be happy to know that basic homeowner’s or renters insurance policy will cover all the stuff in your home under the terms of your policy—including your most prized possessions.

Homeowner’s insurance protects three things: Your home, its contents, and, indirectly, your bank accounts.