that could occur to one’s home or belongings. Trees fall on houses, strong winds whip off siding, and wiring sometimes sparks. Not all emergencies occur naturally, either. People can cause harm as well, whether it’s in the form of graffiti vandalism or

outright theft

Here's what you need to know about the best home emergency insurance solutions for both owners and renters, thanks to

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Homeowner’s insurance

Home emergencies aren't always about property damage or loss; this phrase includes many harms that occur to people and pets inside a home. Homeowner’s insurance policies cover both of these broad types of situations.

Some of the factors a home emergency insurance company considers in crafting a policy are the home’s age, condition, location, and safety features. An insurance company also looks at the homeowner’s credit, general stability, and history of insurance claims.

Most homeowners are required to keep

home liability coverage

, which is very similar across companies; here, it's usually a matter of comparing the price of premiums. There is more to consider, however, in finding the best home emergency insurance solution for a homeowner.

Consider if optional earthquake or flood coverage is needed for your location, if additional personal property protection is needed on certain valuables, or if there is a good chance of

utilizing optional sump pump

sewer backup coverage

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Pros and cons of bundling home and auto insurance

Renter’s insurance

Few renters are legally required to carry home emergency insurance known as renter’s insurance. That doesn't mean such coverage solutions are without value. All of the same disasters that can happen to an owned home can happen to a rental property, and that often translates to property damage to belongings.

Few people could emotionally and financially bounce back with ease if faced losing everything owned. This is where

renter’s insurance comes into play

Since renter’s insurance doesn't have to factor in the replacement cost of the home itself, it's far cheaper than homeowner’s insurance. Compare policy premiums and coverage amounts until you find a balance appropriate to your income and potential losses. As with homeowner’s insurance, consider if optional coverages are worth the investment, and ask about potential discounts for which you qualify.

Finding discounts

When it comes to discounts, it pays to ask and it pays to shop around. Home emergency insurance agents will not always offer or even think about discounts to which you are entitled, and it costs nothing to ask if the company rewards its clients for good behaviors or other circumstances.

Discounts are often available to those with good credit, senior citizens, those who are claim-free, and people who carry multiple types of insurance policies through the same company. Sometimes, discounts can be gained with a small investment, such as adding a security system or energy efficient features.

Home emergency insurance comes in handy if you rent or own a home; you don't ever want to be in a situation where you're in a tough spot because you can't afford to replace your belongings. It can also help protect you, your family, and your pets, so it's worth considering.

MORE:

How to choose the right kind of home insurance for you

How to find the best home insurance for you?

Regardless of which insurance you opt for, it's important to get the best deal for you. For that, try bundling your package with

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