Your home is probably the biggest investment you’ll ever make. If you’re like most homeowners, you probably have the same policy you did when you first bought your home. If you’re a renter, your landlord’s policy won’t cover your stuff. Condo owners: Your association will have a master policy that covers, usually, from the walls out. From the walls in will be your responsibility. For all types of homeowner’s policies – do you know what guaranteed replacement coverage means? You should and we can explain it.