With the tragedy of the San Bruno fire in Northern California, I started to wonder, what are people to do if they suddenly find themselves without a home? I'm kind of embarrassed that I don't automatically have an answer for that, considering the topics we cover.
I hope everyone will forgive me. I don't pretend to be an expert in insurance, but I did my homework.
People familiar with my writing, probably know that I had a childhood that was cynically full of disaster. I've seen a fire at home, floods, hurricanes, tornadoes…but still nothing that completely destroyed the family home. We'd often be very uncomfortable, but never so bad off that we couldn't stay there after a disaster.
Many people aren't that lucky. Homeowners insurance (and renters insurance)is a wonderful thing. Most policies cover more than I thought. Policies may be a bit different from each other, but for the most part, almost all of them cover living expenses for 18 to 24 months if you lose your home.