[one_half nr=”first”][header_title title=”HOMEOWNERS INSURANCE” header_size=”h2″]
Home insurance, or homeowners insurance, is an insurance policy that combines insurance on the home, its contents, and, often, the other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home.
[header_title title=”TYPES OF COVERAGE?” header_size=”h2″]
The property damage portion of a homeowner’s policy covers loss or damage to the home and other structures on the property. In the event of a total loss, the amount paid depends upon the dwelling policy limit of the insurance contract as well as the type of coverage provided under the contract.
On some policies, other structures (such as detached garages, tool sheds, fences, guesthouses, and gazebos) are typically covered at the rate of 10% of the limit set for the dwelling itself. For example, an insurance contract that provides $100,000 coverage for a dwelling typically will provide up to $10,000 coverage for other structures. Trees, shrubbery and other landscape are typically covered for 5% of the dwelling limit.
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[one_half nr=”last”][header_title title=”WHY BUY HOMEOWNERS INSURANCE?” header_size=”h2″]
1. as one of — if not the — most important assets that a person has, you need to protect your home from damage and destruction
2. An online mortgage or home loan that can be completed electronically from loan application to closing. mortgage lenders require homeowners to carry insurance to protect the lender’s investment from damage or loss, if you are hesitant about your investments and have an empty-mind on how to deal with those, you might as well move your 401k to gold.
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