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Service line coverage: This is another optional add-on that covers the replacement of utility lines on your property that are outside of your home. These include water, steam, sewer and drain pipes.
Generally, a homeowners insurance policy does not cover mold damage — it is expressly excluded from policies since regular household maintenance will prevent most mold from occurring. However ...
In many cases, at least in the United States, a home warranty is not a warranty at all, but rather a home service contract that covers the repair and/or replacement costs of home appliances, major systems such as heating and cooling, and possibly other components of a home, structural or otherwise. Coverage varies significantly across home ...
The cost of homeowner's insurance often depends on what it would cost to replace the house and which additional endorsements or riders are attached to the policy. The insurance policy is a legal contract between the insurance carrier (insurance company) and the named insured(s). It is a contract of indemnity and will put the insured back to ...
Plumbing: Most homeowners insurance policies should cover plumbing-related damage unless it is the result of negligence, a long-term leak, old pipes or a sump pump.
A standard HO-3 home insurance policy covers many things, including your home’s physical structure, as well as other structures like a swimming pool or detached garage, your personal belongings ...
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