What Should Homeowners Insurance Cost? 
It is always a good idea to talk with your Insurance Professional about the particular coverage and benefits of your policy , but in a nut shell , a Homeowners ' policy provides coverage on your Home -LRB- dwelling -RRB- personal property and also provides Liability protection in the even you are held legally liable for injury or property damage . The Dwelling and personal property coverage should include a replacement cost settlement benefit and you should ask about any and all discount opportunities . 