The first thing to know about home owners insurance is that you need home owners insurance. The reason is that house insurance will insure both your house and the objects inside your home if the damage is more then the deductible. Getting house insurance protects your personal property as well as your home. Even if your renting you require house insurance for peace of mind.
Deciding your coverage is also very important because it decides how much out of pocket you have to pay if some type of disaster happens unexpectedly. The better the coverage the less you pay for damages. If your renting, the land owner may decide how much coverage you require and will decide which policy you should get. The best thing to do is to look around a little bit and compare quotes to find the right policy for you.
For more info go to iii.org