What does your house insurance cover? The time to find out is not when a disaster has already occurred and you learn you're not covered!
What is Usually Covered
Typical homeowner's policies cover the following items:
* Your home itself, including attachments such as a garage or rental unit
* Your personal possessions (Subject to limits - for example, many policies only cover jewelry up to $1000. You need to purchase a rider for extra coverage.)
* The personal possessions of any guests staying at your home
* Items you were storing at your home for someone else
* Your lawn and landscaping
* Buildings and structures on your property that are not attached to your house, such as tool sheds and gazebos
* Vacant land (except for farmland) that you own or rent
* Living expenses if your home is damaged and you have to live somewhere else during repairs
* Rental payments if a part of your home that you rent becomes unlivable due to damage
What Your Insurance May Not Cover
Some coverages you may not have include:
* Replacement cost coverage, which pays what it would cost to replace your home and possessions rather than their Actual Cash Value
* Mold and water damage
* Natural disasters
* Dogs
* Intentional damage
* Home office equipment
* Luxury items and collectibles
You can often buy supplemental coverage for these items.
How to Get the Best Insurance Rate
The best way to get the best house insurance rate is to comparison shop, and the easiest way to do that is to get quotes from an insurance comparison website. It's quick, it's easy, and it's free.
Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get house insurance quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.
by Brian Stevens
1 comments:
No matter how careful you are emergencies will unfortunately happen. Too often they occur when you least expect it day or night and you are left wondering who you can call for assistance.
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pandreson
Internet Marketing
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