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Endorsements are optional coverage types you can add to your homeowners insurance policy. For example, earthquakes and floods are exclusions on a standard home policy, but you may be able to get ...
Key takeaways. Your home's size, age and features, as well your personal property, impact how much coverage you need. Keeping a digital home inventory can help determine appropriate policy limits ...
The most common type of homeowners insurance is the HO-3 Special Form policy, which covers your home, your personal property, liability, additional living expenses and medical payments.
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.
Renters' insurance, often called tenants' insurance, is an insurance policy that provides some of the benefits of homeowners' insurance, but does not include coverage for the dwelling, or structure, with the exception of small alterations that a tenant makes to the structure.
For example, installing security features can bring down the cost of your premium, as many home insurance policies offer security feature discounts on homeowners insurance.
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