All policies will include both property insurance (typically with a $250 or higher deductible) and personal liability insurance with no deductible. Let's look at some other issues:
IMPORTANT NOTE: If you are single and buying as live-togethers, be very careful about your insurance. Some companies will cover all owners on one policy, others will not. Most carriers will now cover both parties if they are named on the deed. However, if only one individual is a titled owner of the dwelling, then the other person (non-owner) needs to obtain a tenant's policy to protect their personal property and personal liability.
IMPORTANT NOTE: Many states require the purchase of Workers' Compensation insurance for your domestic household workers as part of your homeowner's policy. The rules in each state vary widely, so check with your insurance broker or state employment office to see how this affects you.
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC. Insurance products are offered through LPL or its licensed affiliates. Premier America Credit Union and Premier America Investment & Retirement Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Premier America Investment & Retirement Services, and may also be employees of Premier America Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of Premier America Credit Union or Premier America Investment & Retirement Services. CA Insurance License #0759204, TX Insurance License#1643255.
Securities and insurance offered through LPL or its affiliates are: