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The typical homeowners insurance policy
covers the house, the garage and other structures
on the property, as well as personal possessions
inside the house such as furniture, appliances
and clothing, against a wide variety of
perils including windstorms, fire and theft.
The extent of the perils covered depends
on the type of policy. An all-risk policy
offers the broadest coverage. This covers
all perils except those specifically excluded
in the policy.
insurance also covers additional
living expenses. Known as Loss of Use,
this provision in the policy reimburses
the policyholder for the extra cost of
living elsewhere while the house is being
restored after a disaster. The liability
portion of the policy covers the homeowner
for accidental injuries caused to third
parties and/or their property, such as
a guest slipping and falling down improperly
maintained stairs. Coverage for flood
and earthquake damage is excluded and
must be purchased separately.
Coverage for flood damage is available
from the federal government under the
National Flood Insurance Program but is
sold by licensed insurance agents. Flood
coverage is excluded under homeowners
policies and many commercial property
policies. However, flood damage is covered
under the comprehensive portion of an
auto insurance policy.
Protection provided in most homeowners
insurance policies against sudden and
accidental water damage, from burst pipes
for example. Does not cover damage from
problems resulting from a lack of proper
maintenance such as dripping air conditioners.
Water damage from floods is covered under
separate flood insurance policies issued
by the federal government.
Covers a building and its contents, but
includes a large percentage deductible
on each. A special policy or endorsement
exists because earthquakes are not covered
by standard homeowners or most business
Most homeowners policies cover damage
from a volcanic eruption.
Coverage protecting property against losses
caused by a fire or lightning that is
usually included in homeowners or commercial
multiple peril policies.
A percentage or dollar amount added to
a homeowner’s insurance policy to
limit an insurer’s exposure to loss
from a hurricane. Higher deductibles are
instituted in higher risk areas, such
as coastal regions. Specific details,
such as the intensity of the storm for
the deductible to be triggered and the
extent of the high risk area, vary from
insurer to insurer and state to state.
An optional part of homeowners insurance
that covers sewers.
Loss of Use
A provision in homeowners and renters
insurance policies that reimburses policyholders
for any extra living expenses due to having
to live elsewhere while their home is
being restored following a disaster.
Extra charges covered by homeowners policies
over and above the policyholder's customary
living expenses. They kick in when the
insured requires temporary shelter due
to damage by a covered peril that makes
the home temporarily uninhabitable.
Replacement Cost Coverage
Pays a certain amount above the policy
limit to replace a damaged home, generally
120 percent or 125 percent. Similar to
a guaranteed replacement cost policy,
which has no percentage limits. Most homeowner
policy limits track inflation in building
costs. Guaranteed and extended replacement
cost policies are designed to protect
the policyholder after a major disaster
when the high demand for building contractors
and materials can push up the normal cost
Insurance that indemnifies the owner of
real estate in the event that his or her
clear ownership of property is challenged
by the discovery of faults in the title.
Home and auto insurance can save you from costly
repairs and liability in the case of damage
to your home or your car. Both essentially cover
damages to you and your property, however a
large portion of auto insurance covers third
party damage and injuries in the form of liability
coverage. In the case of auto insurance, most
states make mandatory at least minimum coverage.
How much coverage you need, cost and what your
level of exposure might be are among the concerns
governing selection of these type of insurances.
.An auto insurance policy is actually a package
of different coverages. Coverage can include
liability insurance; collision coverage; comprehensive
coverage; medical, PIP and no-fault; uninsured
motorists and certain add on features. Most
states require you to purchase a minimum amount
of certain kinds of coverage. But if you're
interested in protecting yourself from a lawsuit
or from wicked repair bills, then it makes sense
to buy more than what's required.
Auto Insurance What Is Auto Insurance?
An auto insurance policy is a contract between
you and an insurance company. You pay a premium.
In exchange, the insurance company promises
to pay for specific car-related financial losses
that you may have during the term of the agreement
|Auto Insurance Do You Need It?
|Auto insurance is a legal requirement
in most states. State laws typically say that
as a driver, you either must have insurance, or
be able to provide evidence that you have the
financial resources to pay a judgment against
you, if you are responsible for causing damage
or injury to another person/property. An insurance
policy is the easiest way to document that you
can pay damages if you must. You also need auto
insurance to protect yourself financially. If
you or anyone for whom you're responsible seriously
injures another person, you can be held liable
for the injured person's medical expenses, rehabilitative
therapy, and long term nursing care, as well as
for his or her lost earnings.
|Auto Insurance Who Is Covered?
|Your policy covers you, your spouse, and other
family members who live in your household and
are entitled to drive one of your vehicles
What Is Covered?
|Where you live - Where you live and drive your
car has a significant impact on the cost of your
insurance. This is because the frequency of things
like vandalism and car theft, and the cost of
things like car repairs and medical bills, vary
enormously from one region to another.
The make and model of your car - The cost of insurance
depends a great deal on what type of car you drive,
too. (It can be helpful to bear this in mind when
choosing a car, especially if you're on a tight
Your driving record - Your insurance rates will
be affected by any tickets you've received and
violations of which you've been convicted over
the past several years.
Your age - Statistically, younger drivers get
in more accidents and tend to get more tickets
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DC), Florida, Georgia, Hawaii, Idaho, Illinois,
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Maryland, Massachusetts, Michigan, Minnesota,
Mississippi, Missouri, Montana, Nebraska, Nevada,
New Hampshire, New Jersey, New Mexico, New York,
North Carolina, North Dakota, Ohio, Oklahoma,
California, Oregon, Pennsylvania, Rhode Island,
South Carolina, South Dakota, Tennessee, Texas,
Utah, Vermont, Virginia, Washington, West Virginia,
Wisconsin, and Wyoming.
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