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A Homeowners Insurance Policy (also known as an HO-3 policy) can cover damage caused by such perils as fire, windstorms, hail, lightning, and vandalism. Typically, damage caused by floods and earthquakes is not covered by basic homeowner insurance policies. Optional homeowner insurance coverages and policies may be available to cover damage due to additional hazards.

Deductibles and Limits

Your home insurance deductible is the amount of a covered claim that is your responsibility. The amount you choose for your insurance deductible depends on how much you’re prepared to pay if you have a covered loss.

Your home insurance coverage limits (the amount of homeowners insurance you buy) starts with your dwelling coverage. The limits of coverage for the other standard coverages in your homeowners policy are typically calculated as percentages of your dwelling limit.

 

Types Of Homeowners Insurances

 

Dwelling Insurance

Dwelling coverage is one of the main components of a Home Insurance policy. It can help pay to …

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Flood Insurance

Give your home more protection, give yourself peace-of-mind. For many homeowners, flood insurance …

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Home Owners Insurance

A Homeowners Insurance Policy (also known as an HO-3 policy) can cover damage caused by such …

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Loss of Use & Additional Living Expenses

If damage to your home is covered by your policy, and you have to leave it during repairs, where …

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Personal Liability Insurance Coverage

Personal Liability insurance is about fiscal protection – for you and your family.┬áThe …

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Personal Property Coverage

Personal property insurance coverage can cover your belongings (furniture, clothing, sporting, …

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