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Your home is the single biggest investment that you'll ever make.  By protecting it with homeowner's Insurance you'll have financial protection against the unexpected.


Also, in order to secure financing, the lender will require a homeowner's insurance policy in place before closing.  Such policy is to protect the home against hazards such as fire, weather damage or other catastrophic destruction, theft, glass breakage, vandalism, other damages, and even injury to a visitor on the premises while still under financing terms with the lender.  There are two basic types of policies to consider:


1. All-Risk - reimburses you for all major hazards and lesser damage resulting from problems such as burst water pipes, etc. This type of policy is limited to the property itself and does not reimburse for lost equity or personal property contained in the house so additional coverage may be desirable.


2. Guaranteed Replacement Cost - This policy covers the home and its contents for full replacement value at current market rates rather than the cash value which depreciates over time.


Please follow this link for addition information about the different type of real Estate insurance coverage.  The Insurance Information Institute web site has details about insurance packages available for homeowners.


Greenville SC or Upstate SC Home Buyers Guide
Greenville SC and Upstate SC Real Estate Guide
Home Buyers Insurance Guide