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(Washington, DC) As the home-selling season swings into high gear and many people begin spring home improvement projects, the National Association of Insurance Commissioners (NAIC), of which the Government of the District of Columbia Department of Insurance, Securities and Banking (DISB) is a member, has compiled a wealth of information about homeowner's and renter's insurance for individuals and families-all organized by life stage needs and available at the NAIC's newly launched consumer education website, http://www.insureuonline.org/.

Most Americans-approximately three quarters-insure their homes and personal possessions against fire, theft and other damages, according to a recent NAIC consumer survey. However, there's one notable exception: young singles. Only 34 percent of Americans who own a home or rent an apartment at this life stage have homeowner's or renter's insurance.

Homeowner's insurance covers a home's physical structure and the owner's personal property. In contrast, renter's insurance only protects personal property. Everyone-homeowners and renters-benefits from liability coverage, which provides financial protection in case others are injured while visiting their home.

"Consumers need to understand their options with regard to homeowner's/renter's insurance to make sure they get the right type and amount of coverage to fit their individual needs," said DISB Commissioner Thomas E. Hampton. "To get them started, we've identified many of the key considerations by life stage on the NAIC's Insure U Web site."