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A peril refers to an unpredictable event that causes damage to your property, like an accidental kitchen fire, a windstorm or a burst pipe. ... HO-3 home insurance policies cover your dwelling and ...
HO-1 insurance is a named perils policy, meaning it only covers your home in specific situations, which typically include: Damage from aircrafts or vehicles Explosions
Key takeaways. Most mortgage lenders require homeowners to purchase home insurance. Standard HO-3 home insurance policies cover damage to your home’s structure, other structures on your property ...
Additional living expenses: Homeowners insurance generally covers additional living expenses you incur while repairs are being done up to a certain period of time or coverage limit. That means ...
Good news: if the cause of the damage was sudden and accidental, your insurance coverage should apply. For instance, if you reach for a heavy iron skillet under your sink and crack a pipe while ...
Homeowners insurance coverage is a must if you have a mortgage loan, and it's strongly advised even if you don't. It covers damage to your property from a wide range of sudden and accidental ...
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