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Dwelling coverage: Also known as home structure coverage, dwelling coverage covers your home’s physical structure as well as attached structures like a garage.
They typically include open perils coverage for your dwelling and detached structures, meaning if your house or garage is damaged by water it will likely be covered — unless your policy ...
In addition to dwelling coverage, your homeowners insurance could cover detached structures, like a detached garage, your personal property and liability if someone is injured on your property.
Filing a home insurance claim. If your home sustains damage, you may need to file a claim. You can typically file claims online, through a mobile app or with an agent in person or over the phone ...
In addition to standard home insurance, some 8 million households in the UK are categorized as being a "non-standard" risk. These households require a specialist or non-standard insurer that would cover home insurance needs for people that have criminal convictions and/or where the property suffers subsidence or has previously been underpinned.
The most basic home insurance policy is an HO-1, which provides coverage on the structure of your home. An HO-2 is a step above the HO-1, as it covers your home and personal belongings for named ...
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