How Does Homeowners Insurance Work?

Answer

Homeowners insurance is extremely important for those who own their own home. It can cover several different types of incidents. Generally, your homeowners insurance has two facets - the first, insurance against disasters, fire, lightning and other uncontrollable events; the second, insurance against loss or theft of the items within a home. Most insurance companies allow you to purchase either one facet, or all facets.
Q&A Related to "How Does Homeowners Insurance Work?"
Let's start with your home. A standard homeowners policy (known as an HO-3 policy in insurance lingo) will protect you from stuff like fires, fallen trees, even the occasional rogue
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1. Contact your agent or insurance company directly and inquire as to how you can cancel your homeowner's policy. Many companies will mail you an Accord Cancellation Form (or Lost
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1. Check the Department of Insurance website for your state. Most state websites show the typical costs of coverage in different areas of the state, as well as ratings of insurance
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Look in your policy under Exceptions. It varies a little from company to company (some cover termites, some don't) None of them cover flood.
http://wiki.answers.com/Q/What_is_not_covered_by_h...
1 Additional Answer
Ask.com Answer for: how does homeowners insurance work
How Does Homeowners Insurance Work?
Homeowners insurance is frequently used by people who live in condominiums to pay for things that break or are lost. Learn how to find and purchase a homeowners insurance policy with tips from an insurance agent in this free video on insurance.... More »
Difficulty: Moderate
Source: www.ehow.com
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