The reason behind property investment is its wide potential benefits. Some of the potential benefits are of mortgage and tax benefits. Despite of its advantage and benefits, investment property insurance also includes various factors of risk. These risks can be eliminated by the investment property insurance. Insurance options consist primarily of commercial, personal, and specialty types. Thatched property insurance consists of a specialty insurance option. Cheaper-Home-Insurance.com Cheaper Home Insurance has a large range of home insurance options, such as specialty types pertaining to thatched property insurance. Policy # 3: The third policy of house property insurance is also sometimes called special house owner policy. This policy covers all types of perils other than those who specifically omitted in the contract. The expense for this type of policy is 10% to 15% more than the first one. Policy # 4: The forth type of house property insurance is basically facilitate the property owners who rented their property which includes 17 different perils. Let us take a real example, if a person saves $20,000 with an advance of 20%. This actually means the owner is capable to purchase a $100,000 worth of house. While if a person acquired property mortgage insurance, only 10% down payment is required for a $200,000 house in the limits of $20,000 savings. Living in high-risks areas like near floods, old home or Beachfront Island have greater risks in those areas. In 2002, Legislature created a state-run company for Florida property insurance named as Citizens. Citizens offer property insurance to fund those householders who live in high-risk regions and can not afford private insurance companies. You must design the property insurance according to desire, to achieve the complete protection of your small business. There are three general areas, which are usually covered by almost all policies of property insurance: business interruption, professional liability, and property/contents. Business Interruption Coverage This is one of the important aspects of property insurance offered for small business.