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Scheduled personal property coverage: High-value items like jewelry, art and collectibles are covered up to a certain dollar amount under a standard homeowners insurance policy.
In homeowners insurance, the 80 percent rule refers to the fact that most insurance companies require homeowners to insure their home for at least 80 percent of its total replacement cost.
On average, homeowners pay $1,687 annually for a homeowners insurance policy with $250,000 in dwelling coverage. The same type of home insurance coverage may vary in price based on the company ...
Earthquake insurance: Most homeowners insurance policies do not cover damages caused by earthquakes, even in high-risk areas. However, many home insurers offer separate policies or homeowners ...
Key takeaways. The most common type of homeowners insurance policy is the standard HO-3 Special Form policy. HO-5 policies offer the broadest coverage of all policy types.
The insurance value and market value of your home aren’t the same. The insurance value is the minimum amount of money the insurance company thinks it would take to rebuild your home if it’s ...
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