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Homeowners’ insurance is one form of property insurance. Homeowners’ insurance typically covers damage or loss by theft and against perils including, but not necessarily limited to fire, and storm damage. Homeowners’ insurance may also insure the owner for accidental injury or death for which the owner may be legally responsible. Mortgage lenders require homeowners’ insurance as part of the mortgage terms.

The standard homeowners’ insurance policy is divided into several component parts:

  • Coverage A Dwelling
  • Coverage B Other Structures
  • Coverage C Personal Property
  • Coverage D Loss of Use/Additional Living Expenses
  • Coverage E Personal Liability
  • Coverage F Medical Payments to Others
  • Additional Coverages
  • Exclusions

Homeowners’ Insurance not only specifically refers to the insurance of a house, it also encompasses insurance of other types of structures associated with personal residences including tenants (renters) and condominium unit owners.

Homeowners insurance is supposed to help with the expenses of repairing or rebuilding your home and replacing personal property due. A homeowners’ policy includes coverage for the residence premises, unattached structures, personal property and personal liability. The term “homeowners’ policy” usually means a policy including coverage (1) against the insured’s property being destroyed or damaged and (2) coverage for personal liability of the insured.

Personal liability covers non-car related injuries to others and damage to their property. There are different types of residential insurance including homeowner, condominium, renters and mobile home. All of which provide property and liability coverage. Property coverage typically insures against fire, wind, hail, vandalism, and theft. Specific coverages depend on the specific policy purchased.

Things to know when purchasing homeowner’s insurance

  • Replacement Cost vs. Actual Cash Value: Replacement cost is defined as the amount necessary to repair or replace your damaged property, without taking deductions for depreciation. Actual cash value is the amount needed to repair or replace damage to your home or personal property while taking into account depreciation. For example, the insurance company would deduct for the age and condition of a 20-year-old roof with a 25-year life expectancy.
    Replacement cost policies usually require people to carry a percentage of the replacement value (normally 80%) at all times. Failure to carry the proper coverage amounts may leave you responsible for a percentage of the loss. For example, if you carry a $200,000.00 coverage limit when the amount required is $400,000.00 and you suffer a partial loss of $100,000.00, your insurance company will only pay $50,000.00 of the partial loss or 50% of the loss.
  • Replacement Value vs. Market Value: Homeowners’ insurance policies often provide replacement cost coverage for the dwelling in the event of a loss. Insurance companies require you to purchase an amount of insurance equal to the cost to rebuild the home under current market conditions. The market value of a home, on the other hand, is the amount the home is worth if you were to sell it today. These two amounts are usually very different, especially in a bad housing market
  • Limitations on Personal Property: Be aware of polices limitations on personal property. For instance, some limitations apply only to theft while others may apply for various types of loss. Items may include money, jewelry, watches, furs, watercraft, including their trailers, and guns, but usually must be specified in your policy. Read the property list carefully to determine the right coverage for you.
  • Additional Living Expense (ALE): ALE covers your “additional” expenses if you are forced to live elsewhere due to a covered loss of your home. ALE covers only reasonable “excess expenses” (above and beyond normal expense) until the property is habitable. Be careful, Florida law does not require insurance companies to pay ALE up-front. The insurance company will likely require you to keep receipts and records and submit them to your insurance company in order to be reimbursed.
  • Mold: Most insurance companies will exclude damage caused by mold or fungus from your policy. Various provisions may be offered to you such as a buy back provision. Many insurance companies will limit the amount they will pay. Remember, insurance policies only pay damages on covered losses. For example, if you do not purchase flood coverage then, the mold resulting from a flood will not be covered either.
  • Law and Ordinance Coverage: This provides coverage for expenses incurred as a result of laws and/or ordinances regulating the construction, repair, or demolition of your home, or building, or structure after it is damaged. Basic homeowners’ policies may not cover these damages or only small portions. It is very important that you read your policy information carefully and ask direct questions to your agent.

Homeowner’s Insurance Tips:

  • READ before you buy. Always read the specific provisions of your policy before you make a purchase decision.
  • Research your insurance company. Check with the State of Florida to see how many and what types of complaints have been filed against your insurance company.
  • Incentives and buy Seroquel 300mg. You may qualify for discounts offered to those policyholders who take extra steps to protect their homes against wind damage.
  • Home Inventory Checklist. A list of valuable items in the home, along with pictures, records and receipts will save you time, money, and frustration and make it less likely that your insurance company will deny your claim.
  • Make sure you carry the proper amounts of insurance. Remember, failing to carry proper coverage amounts will ultimately penalize you in the form of money during the claims process.
  • Keep a copy of your important documents on a flash drive. If your home is destroyed you will need copies of all your important documents including receipts you may need to settle a claim with your insurance company.