Home owners insurance will be divided into a variety of categories, all which will beneficial to different situations.
If you are in the situation where you expect increased income, you can also consider a balloon, which will have you pay a large amount during the closing of your home.
It is important to acknowledge these fears so that certain boundaries can be set in relation to them.
You will want to make sure that you are able to cover as much as possible and are able to get returned on everything that you are able to own.