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Perpetual insurance is a type of homeowner's insurance policy written to have no term, or date, when the policy expires. From the effective start date, the coverage exists for perpetuity. The insured deposits money, called a deposit premium, with the insurer for insurance for the life of the risk.
When buying new home insurance, you’ll likely want to make sure that the effective date is on or a day before the last day of your current coverage to avoid an accidental lapse in coverage.
Finding out your home insurance has been canceled or nonrenewed may leave you feeling vulnerable. After all, your home is likely one of your largest investments, and a home insurance policy can ...
Homeowner's policy is a multiple-line insurance policy, meaning that it includes both property insurance and liability coverage, with an indivisible premium, meaning that a single premium is paid for all risks. This means that it covers both damage to one's property and liability for any injuries and property damage caused by the owner or ...
An insurance policy is a contract where the homeowner and insurance company agree that in exchange for a premium payment, the insurance company will provide compensation for the repairs or ...
The policy term is the period that an insurance policy provides coverage. Many policies have a one-year term (365 days) but other terms both longer and shorter are used. Policy terms can be for any length of time and can be for a short period when the period of risk is also short or can be for multi-year periods.
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