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Homeowners Insurance

Homeowners insurance provides financial protection against disasters. A   standard policy insures the home itself and the things you keep in it.







Damage caused by most disasters is covered but there are exceptions. The most   significant are damage caused by floods, earthquakes and poor maintenance.   You must buy two separate policies for flood and earthquake coverage.   Maintenance-related problems are the homeowners' responsibility.


What is included in a Standard Homeowner Policy?

 

A standard homeowners insurance policy includes four essential types of coverage. They include:

1.   Coverage for the structure of your home.

2.   Coverage for your personal belongings.

3.   Liability protection.

4.   Additional living expenses in the event you are temporarily unable to live in your home because of a fire or other insured disaster.

 

The coverage you have depends upon the type of policy you have. The most common types of homeowner policies are:


1.     HO1 Basic or Standard policy

2.    HO2 Broad form

3.     HO3 Special (also called Deluxe, All Risk)

4.    HO4 Renters policy

5.    HO5 Enhanced Special Coverage

6.    HO6 Condo policy

7.    HO8 Older Home Policy


There is no better way to understand your homeowner policy than to read it! We suggest you pull out your policy and find the parts to your policy that correspond to the following explanations:

A typical policy consists of three things:

1. The Declarations Page - that declares who, what and how much you are insuring, along with the date your coverage starts and the premium.


2. The Policy Booklet - printed pages that contain the details of coverages and exclusions.


3. Endorsements - separate pages, usually with endorsement numbers, that change (or endorse) specific parts of the policy.




Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

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