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Basic Coverage of Homeowner Insurance Policies
The insurance policy is a package that includes more than 1 type of insurance in a policy. There are 4 types of coverage contained in the home insurance policy.
Dwelling and Personal Property
In this article, Dwelling and Personal Property Damage will be explained:
Property damage coverage will help pay for any damage to your dwelling or personal property. Other parts of your home, such as a detached garage, a shed, or any other building on your property are usually covered for about 10% of the amount of coverage on your home.
Personal property coverage pays for your personal property, which includes your furniture, clothing, and other personal property.
The amount of that insurance coverage is about 50% of the policy limit on your home. This type of coverage is also limited by the type of loss specifically listed in your policy.
The coverage usually only pays the current cash value of the item damaged or destroyed, unless you actually purchased replacement cost coverage.
Your home insurance policy also includes off-premises coverage. What this means is that the policy covers your personal belongings against theft even when they are not in your dwelling.
Your insurance company will reimburse you for the cost of replacing your suitcase and whatever its content is if it were lost or stolen when you were away on vacation, but only for replacing them with the personal property of the same kind and quality.
Copyright 2005 Fern Kuhn, RN
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Insurance - Google News
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Why Does Health Insurance Cost So Much?
Why does health insurance cost so much? Year after year, many of the articles that appear in print detail the specific factors driving the cost of healthcare.These factors include: general inflation, advances in drugs and other medical devices, rising hospital and doctor expenses, government mandates, increased consumer demand, litigation, fraud, and cost shifting.
Are Accidents More Likely To Occur Closer To Home?
If you are going to be involved in an accident, chances are it will happen close to your home. Progressive Insurance polled 11,000 of its policyholders who experienced accidents in 2001.
Cheap Car Insurance - 7 Tips To Reduce Your Car Insurance Costs
With the cost of car insurance becoming more and more of an issue for the average American family, there are increasing numbers of people looking for cheap car insurance. But although it is possible to find cheap car insurance, the question remains, is it worth buying?Everyone knows that car insurance companies are not all equal.
A Few Things Everyone Should Know About Disability
Did you know? One year of disability can wipe out 10 year's worth of savings.Other interesting things to know about disability:- 7 out of 10 people between the ages of 35 and 65 become disabled for three months or longer.
Mortgage Insurance Plans: How Good Is Yours?
Mortgage insurance, to pay off a mortgage, is something you'll inevitably be asked to take out by the bank. Mortgage insurance is necessary so that if something happens to you or your spouse then your loan will be paid off which is good news for your family and the bank.
UK House Insurance - The Risk of Under-insurance
For many years in the UK, motor insurance has been a competitive marketplace. Consumers have been used to shooping around at renewal time with a host of direct companies available.
Tips for Buying a New Home
My wife and I recently purchased a new home in Tennessee. Here are some helpful hints we picked up along the way:1.
Discount Life Insurance Will Give You The Best Protection You Need
There is always a chance that there is a better deal somewhere else, no matter what you are buying. That is why you should research and find discount life insurance.
Useful Tips on Reducing Insurance Costs
Most people want lower insurance costs but are often too lazy to do anything about it. All it takes is a little time and effort and you could be looking at a reduced insurance premium.
How To Get Cheap Whole Life Insurance Quotes
Whole life insurance quotes the most expensive kind of policies that are on the market due the fact of cash value over time. Whole life insurance is permanent life insurance coverage that lasts as long as you live and continue to make ontime premium payments.
What Should I Do About Billing Problems When Using HSA Money?
If you run into a billing problem or misunderstanding with a hospital or doctor's office for which you're planning to use money from your Health Savings Account (HSA), you could be in trouble.This article will help you understand how hospital and doctor visits are different when paying with a Health Savings Account.
Health Insurance Coverage
Health insurance is something that everyone needs today. The rising cost of visiting a health care provider or a hospital stay makes it imperative that everyone have some type of health care coverage.
Life Insurance, the Universe, and Everything
You may have noticed that life insurance is coming back into fashion. It's true that it may not be the financial term on everybody's lips, but sales of life insurance have been going up, according to the Association of British Insurers.
Vehicle Insurance Online is a Convenient Way to Get Insurance Cheap
Online comparison shopping is a convenient way to get cheap insurance for your auto. For the last few years, insurance companies have been dropping their premiums annually because of lower accident rates and increased competition.
Why Dont Insurance Companies Reward Us for Being Healthy?
Insurance is always a gamble, a bet actually.You are betting that you'll eventually get sick or hurt.
Home Insurance: Premium Protection In Case Mishap Takes A Rain Check
My whinstone house my castle is, I have my own four walls.This is truth for every home owner.
Motor Insurance with Pass Plus
Is pass plus really worth it? What motor insurance discounts are available to people who have passed the course? Is it easy?In the UK, pass plus is run by the driving standards agency who administer the course. Pass plus was set up by the DSA in conjunction with isnurance companies who wanted to reward young drivers who took a responsible attitude towards tehir safety on the road.
If You Rent A Home, Protect It By Buying Renters Insurance
Renters insurance is often overlooked by people who are renting their house or apartment. Many people don't realize that their landlord's insurance only covers the building that you live, there in no coverage for your personal belongs.
Long Term Care Insurance - Low Cost Alternatives For Budget Conscious Seniors!
With Nursing home Cost's running $4,000 to $6,000 a month and outpacing inflation, it is a small wonder that most seniors cannot afford the Long term Care insurance premiums. Their are low cost Alternatives available for seniors who just can't afford the rising cost of these Premiums.
Group Term Life Insurance and the Options Available
Group term life insurance is more affordable than individual life insurance policies because the costs to the insurer are lower. They have less paperwork to handle, and are guaranteed multiple accounts from one sale - which is their incentive for offering this type of policy.
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