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The family insurance portfolio typically always includes some form of property insurance like home owners insurance. The homeowner policy has been around a long time and is purchased each time people buya new home. Home owners insurance is a very complete coverage but is very often misunderstood.
The representative homeowner always has some kind of maintenance trouble. These kinds of problems are now and then submitted as claims on their home owners insurance. That is where the misinterpretation begins. Homeowner’s policies guard you against losses caused by perils. Maintenance and deterioration problems are in no way covered by your home policy. Your homeowner’s policy would become unaffordable if that were the case.
Perils Insured Against – Fire or lightning, windstorm or hail, explosion, riot and civil commotion, aircraft, smoke, vandalism, theft, falling objects, the weight of ice sleet and snow, accidental discharge of water or steam, freezing, volcanic eruption, and more. These are the basic perils covered by most home policies in home owners insurance.
Home Owners Insurance – Homeowner Policy Structure
- Section A – The Dwelling – This provides coverage for the dwelling and any structures attached to that dwelling.
- Section B – Other Structures – This provides coverage for detached structures like garages, storage sheds, flag poles, fences, and swimming pools.
- Section C – Personal Property – Personal property provides coverage for personal property owned by the insured anywhere in the world. There are limitations on particular types of personal property
- Section D – Loss of Use – This coverage refers to the extra living expense that the insured incurs once the dwelling becomes uninhabitable because of a peril covered in the policy.
The perils and the policy structure are the essentials that you need to study when purchasing a homeowners policy. Replacement cost verses concrete cash value is the next consideration. These are the two methods that insurance companies use to settle claims. The actual cash value method will rebuild your dwelling or replace your property by taking the replacement value and subtracting the depreciation. Replacement Cost will replace your dwelling or personal property with material of like kind and quality without depreciation.
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