H&R Expenses
Coverage Types
Statistics
Differences between H&R
100

Costs around $1000 annually.

Home Insurance 

100

Covers for natural disasters i.e. floods and earthquakes though is often sold separate for each. 

Flood & Earthquake Insurance 

100

One of the largest home insurance companies in the world 

State Farm 
100
Covers both personal belongings and building integrity/structure. 

Home insurance 

200

Costs around $185 annually.

Renters Insurance 

200

protects damage done by fire, wether severities (excluding Flood and Earthquakes) theft, vandalism.


(includes detached properties, e.g. barns, garages etc.)

Dwelling Coverage 

200

Pay much less in expenses on average 

People with excellent credit 

200

Covers only Personal Belongings 

Renters insurance 

300

Have $20,000 of belongings on average 

Renters

300

covers mainly mobile homes 

Mobile/Manufactured coverage 

300

pay 32% more in expenses with this credit 

 Fair Credit 
300

85% of people buy this insurance to cover their living space. 

Homeowners

400
Covers personal property like furniture, electronics, and clothing

personal property coverage 

400

pay insurance 85% of the time on average 

homeowners 

400

37% of people buy this insurance to cover their living space. 

Renters 
500

Covers someone else being injured on your property, includes legal fees/lawsuits 

personal liability coverage 

500
pay insurance 37% of time on average

Renters

500

Should assess the value of all property & belongings.

Renters 
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