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You have many options when buying homeowner’s insurance: dwelling protection, family liability protection, deductibles, and optional features such as personal property protection for items high value items such as jewelry. There are three main components to a Homeowner’s policy.
Structure protection protects your dwelling as well as other structures such as garages, car ports, and storage sheds.
Personal property protection insures your personal belongings such as clothing, furniture, and electronics. Some items like jewelry, firearms, and oriental rugs may have limited coverage on the base policy, but additional coverage is available for these items if needed.
Family liability protects you from financial damages you, or members of of your household may be held legally responsible for. Examples include bodily injury or property damage to another party.
It is important to periodically review your limits with your agent. As life changes so do your insurance needs. For example, if you recently expanded or remodeled your home, you may want to increase your dwelling coverage to be fully protected in the event of a total loss.
A deductible is the amount that you pay out of pocket on a covered loss before insurance begins to pay. For example, if a tree falls on your roof and causes $1200 of damage, how does your deductible affect paying for the repair? If you have a $500 deductible you will have to pay the first $500 of the repair costs and the insurance company will then pay the remaining $700. Setting your deductible higher reduces your total premium. Before you decide on a deductible it is also important to consider how much you can afford in an unexpected event.
Home Insurance for High Risk and Cancelled Policies