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Home Owners Insurance 101

Home Owners Insurance 101

Home owners insurance quotes are easy to get and can help you get the most affordable insurance rates possible.


Whether you have just purchased a new house or have had it for a while, chances are you may not have purchased home owners insurance for your house. Legally, anyone can own a home without having home owners insurance. However, home owners insurance can a wise expense. While some may be fine without home owners insurance on their home, and never suffer the staggering costs of damage or liability, others won't be so lucky. No one can really predict what events might take place, or know if their house will always remain as safe and sound as is today. Home owners insurance protects against an unpredictable future.

Home owners insurance helps cover costs in the unlikely event of disaster. For example most standard home owners insurance would cover structural damage to the home, loss of personal items, liability, and additional living expenses in cases where the house is rendered uninhabitable. Disasters and other damage or loss that are typically covered by home owners insurance include theft, vandalism, fire, explosions, severe windstorms, hurricanes, tornadoes, hail, and many other natural occurrences. Things that are typically not covered by home owners insurance are floods, neglect, collapse, earthquakes, and intentional damage. Home owners insurance policies that cover flooding and earthquakes are available, but must be purchased in addition and the rates can be high. Home owners insurance quotes typically include various options, allowing you to compare and select a policy with affordable rates that are right for you.

Home owners insurance rates depend on many different factors. For example, the crime rate in your area, how prone your house might be to flooding and other natural disasters, the square footage of your house, and of course the amount of home owners insurance coverage you want to have. If you are still shopping for a house, you may wish to contact several insurance companies, ask about the number of past claims in the area you are interested in, and get some home owners insurance quotes on various locations to find the most affordable rates.Home Owners Insurance 101


If you are interested in getting home owners insurance you will always want to make sure you choose your insurer very carefully. Make sure that your insurer is someone you can rely on and who has a good rating and reputation. To get the best rates, you should solicit insurance quotes from at least three different companies. Make sure to read each policy and understand both what situations the policy covers, what your deductibles are, and how much coverage is being offered. By combining your home owners insurance with your auto insurance, you can also save money.

Many people who own homes find their house to be one of their most valuable investments, and they want to keep it as safe as possible. Home owners may want to compare the pros and cons of purchasing home owners insurance, but most people find there are no cons when disaster strikes. While having your house insured does come with a cost, it allows you to be prepared in the case of catastrophe, and protects you against loss. Home owners insurance provides piece of mind, and is quite affordable when compared to dealing with disaster without it.

by: Melany Vitela
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Home Owners Insurance 101