Craptacular Wonderment asked: The home is either livable or NOT livable…it matters NOT what disaster ruined the home..
Why then is it that you have to pay extra for each different type of circumstance? An accident is an accident…. a disaster is a disaster… the home can only be burned, flooded, distroyed by earthquake [...]

janey asked: Does home insurance cover when I rent out the house and the tenant causes a house fire (assuming the house completely burnt down)? If not, do I need to buy landlord’s insurance or ask the tenant to buy renter’s insurance? Where can i compare home insures? ThanksSamir