subject: Ways To Find Afordable Homeowners Insurance [print this page] Mortgage lenders in the Untied States require the borrower to have home owner insurance as a term of the loan. A home owners insurance policy protects the home from specific property and liability damages. A basic home owners insurance policy covers and protects your home form things like fire, severe storm and lightning damage, vandalism, personal property, and lawsuits filed against you and the medical expenses if someone is injured on your property.
Some things that are NOT covered by a basic home owners insurance policy are mold and some water related damage, war and nuclear accidents, earth quakes and landslides, and termites, to name a few. But there are many extra home owners insurance coverage options you can tack on to your home owners insurance policy called riders. Also FYI, many home owners insurance providers will raise the price or not even cover you if you own a high risk pet like a pit bull, rottweiler or wolf hybrid! There are about 8 different options of home owners insurance that is specific to your needs and can have added coverage benefits such as flood insurance. Home owners insurance is very important and useful to have.
Most insurance agencies provide multiple types of insurance and you can receive discounts by having more than one insurance policy held with them. For example if you have auto insurance with State Farm, then you are likely to get a discount if you added home owners insurance and life insurance also. But each home owners Insurance company will differ in policy rates. So the best way to get the most affordable rate is to shop around for the best rate quote for the best coverage. If you search online, many insurance companies have automated quote calculators that you can use to compare home owners insurance quotes from.
You will just have to type in some information and what kind of home owners insurance policy you are looking for and the automated calculator will spit you out a price ( otherwise known as the premium). Although, the most accurate quotes can be obtained by talking to an agent because of varying factors, a home owners insurance contract can be a lengthy one!. Depending on how much the home would be to replace, and any extra insured items, affects the cost of the quote. But, there is some good news! There may some home owners insurance discounts you may be able to subtract from the home owners insurance quote to save you money! For example, if your house has storm shutters, if you have security alarm or fire sprinkler systems installed, have fire alarms, or certain locks on windows and doors, your home owners insurance provider might give you a lower rate!
Home owners insurance policies are usually a term contract where the policy holder has to pay the premium each term. There are several premium term payment schedule options for your home owners insurance to pick from. You may choose to have the frequency of your payments be every month, quarter, semi-annual, or annual.
Home owners insurance is a necessity and can relieve some stress knowing so many things are covered and protected in your home.
by: Kenneth Ranks
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