Read e-book online How to Insure Your Home: A Step by Step Guide to Buying the PDF

By Merritt Editors

ISBN-10: 1563431327

ISBN-13: 9781563431326

This glorious book...is packed with invaluable information...fascinating reading.-- Robert Bruss, Tribune Media prone

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Additional info for How to Insure Your Home: A Step by Step Guide to Buying the Coverage You Need at Prices You Can Afford

Sample text

It even includes coverage for the loss of property from a known location when it is likely that the property has been stolen. A homeowners policy will usually cover outdoor property, such as awnings and antennasa dwelling policy does not. Page 19 Finally, coverage for vehicle damage is also broader. Unlike dwelling coverage, basic homeowners coverage covers vehicle damage to fences, driveways, walks, and outside lawns, shrubs, trees and plantsas long as it's not caused by someone in your household.

In other words, the insurance should cover risks and liabilities that might encumber the value of your property. The fact that you have a $200,000 homeowners policy doesn't mean that's all you will get if your home is destroyed. The $200,000 limit usually applies only to the cost of replacing the physical structure. Typically, a policy will pay up to $100,000 morehalf of the face amount of the policyto replace the home's contents, including valuables. And it will also cover legal costs related to a liability lawsuit.

A TV antenna tower) are valued at actual cash value (replacement cost less depreciation) or the necessary cost of repair. Page 36 . . , might be considered as building items but are to be valued at actual cash value and not replacement cost, which is the usual settlement basis for buildings. You need to be careful of these sorts of shifts when you're buying homeowners insurance that you think covers full replacement value. In fact, you should be careful of promises or assurances that agents give you about policies that cover full replacement value.

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How to Insure Your Home: A Step by Step Guide to Buying the Coverage You Need at Prices You Can Afford by Merritt Editors


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