Homeowners insurance provides protection and replacement of the building structure, your possessions, out buildings on the property and liability coverage if someone who is visiting you is injured while on the property.
It’s cost depends on many factors like distance from a fire hydrant, building materials used, size and replacement cost and deductible amount. It protects against fire, theft, acts of nature, vandalism and gives you liability protection if a visitor is injured.
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The following items are all included in a homeowners insurance policy to protect your most valuable property.
There are optional coverage for events like floods, hurricanes and earthquakes.Provisions for special collections, expensive jewelry and artwork can be added You choose the deductible amount for out of pocket expenses and the following are covered;
In the event that your home is damaged by fire, storm or other act of nature, you are robbed or vandalized or someone other than a household member is injured you must contact your agent or the insurance company. The damages will be assessed and you will be paid the assessed damages less the deductible amount you have chosen.
No, in general they are not.
If you have a mortgage, yes. In fact in most cases, you must purchase a homeowner’s binder to cover the property before a mortgage will be given at closing. In most cases the mortgage holder will deduct an additional sum besided principal and interest to cover taxes and Insurance. Once a home is paid for, it may no longer be required but it would be unwise not to have protection for your home.
The best way is to inventory your home room by room. Don’t forget the closets and basement if you have one. Make an Inventory of the major items and assign a dollar value based on what you paid for it.Check the total figure against what the policy gives you for contents and then adjust it if needed.
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