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  2. It is often called hazard insurance because the average homeowners policy includes coverage for a list of perils, or causes of loss, that can damage or destroy your home. Homeowners insurance

  3. Difference in conditions insurance - AOL

    www.aol.com/finance/difference-conditions...

    A difference in conditions policy is an insurance policy that can help provide additional and expanded coverage for your home or business if you live in a region that sees regular disasters.

  4. Guide to homeowners insurance - AOL

    www.aol.com/finance/guide-homeowners-insurance...

    At its most basic level, home insurance provides financial protection against various perils, or damaging events, that may affect your home, such as theft, fire and storms. Taken further, it also ...

  5. Home Insurance: What's Covered, What Isn't - AOL

    www.aol.com/news/2012-10-31-home-insurance-whats...

    Differences Between Home insurance and Fire Insurance: Dwelling fire policies are less expensive, but coverages are more limited. The more-comprehensive dwelling form is the DP-3.

  6. Home insurance - Wikipedia

    en.wikipedia.org/wiki/Home_insurance

    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.

  7. General duty clause - Wikipedia

    en.wikipedia.org/wiki/General_duty_clause

    A hazard is recognized if it is a condition that is (a) of a common knowledge or general recognition in the particular industry in which it occurred, and (b) detectable (1) by means of the senses (sight, smell, touch, and hearing), or (2) is such wide, general recognition as a hazard in the industry that even if it is not detectable by means of ...

  8. Insurability - Wikipedia

    en.wikipedia.org/wiki/Insurability

    Risks that can be insured by private companies typically share seven common characteristics. [4]Large number of similar exposure units.Since insurance operates through pooling resources, the majority of insurance policies are provided for individual members of large classes, allowing insurers to benefit from the law of large numbers in which predicted losses are similar to the actual losses.

  9. What happens when your home insurance lapses - AOL

    www.aol.com/finance/happens-home-insurance...

    Insurance fraud: If at any point a policyholder is found to have caused intentional damage in order to submit a fraudulent claim or takes any action that goes against the insurance policy contract ...

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