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HO-1: A bare-bones policy that covers basic perils like fire and smoke; wind and hail damage; and theft and vandalism. Because of its limited coverage, howev

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Your home is likely to be one of the largest investments you make in your life and you’ll want to protect it accordingly. But home insurance can be a confusing subject—figuring out what it covers and which policy is best for you isn’t always easy. But by learning the basics, you can choose the best policy to protect your treasured abode for years to come!

The Basics

Homeowner’s insurance provides protection against calamities that affect the structure of your home and your possessions.

A standard policy has two main functions:

1. Protects your home and its contents from damage or loss
2. Protects you and your family members from legal damages that may arise from someone who’s been injured on your property

Your policy will also provide you with additional living expenses if you are temporarily unable to stay in your home after a damage or loss. Without these protections, you leave your home and your most valuable possessions at risk for loss—a risk most homeowners can’t afford to take.

Policy Types

There are different types of home insurance available to you, with varying protections and premium amounts. Knowing what you need from a policy before you buy will help you select the right policy and help you to avoid purchasing more than what you need.

The three main types of home insurance policies are HO-1, HO-2 and HO-3:

HO-1: A bare-bones policy that covers basic perils like fire and smoke; wind and hail damage; and theft and vandalism. Because of its limited coverage, howeve

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easured abode for years to come!

The Basics

Homeowner’s insurance provides protection against calamities that affect the structure of your home and your possessions.

A standard policy has two main functions:

1. Protects your home and its contents from damage or loss
2. Protects you and your family members from legal damages that may arise from someone who’s been injured on your property

Your policy will also provide you with additional living expenses if you are temporarily unable to stay in your home after a damage or loss. Without these protections, you leave your home and your most valuable possessions at risk for loss—a risk most homeowners can’t afford to take.

Policy Types

There are different types of home insurance available to you, with varying protections and premium amounts. Knowing what you need from a policy before you buy will help you select the right policy and help you to avoid purchasing more than what you need.

The three main types of home insurance policies are HO-1, HO-2 and HO-3:

HO-1: A bare-bones policy that covers basic perils like fire and smoke; wind and hail damage; and theft and vandalism. Because of its limited coverage, howev

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s you and your family members from legal damages that may arise from someone who’s been injured on your property

Your policy will also provide you with additional living expenses if you are temporarily unable to stay in your home after a damage or loss. Without these protections, you leave your home and your most valuable possessions at risk for loss—a risk most homeowners can’t afford to take.

Policy Types

There are different types of home insurance available to you, with varying protections and premium amounts. Knowing what you need from a policy before you buy will help you select the right policy and help you to avoid purchasing more than what you need.

The three main types of home insurance policies are HO-1, HO-2 and HO-3:

HO-1: A bare-bones policy that covers basic perils like fire and smoke; wind and hail damage; and theft and vandalism. Because of its limited coverage, howev

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As the demand for homeowner insurance is increasing day by day, numerous companies are offering the home insurance policy. Since a myriad of options are available now, an individual needs to be quite careful while purchasing a policy. There are several key points that should be borne in mind and that can actually help you purchase a good policy.Before you start looking around for a policy, decide amongst yourself what all coverage and the coverage amount you want. Then look for various companies and their offers. In this you can take help of agent

most valuable possessions at risk for loss—a risk most homeowners can’t afford to take.

Policy Types

There are different types of home insurance available to you, with varying protections and premium amounts. Knowing what you need from a policy before you buy will help you select the right policy and help you to avoid purchasing more than what you need.

The three main types of home insurance policies are HO-1, HO-2 and HO-3:

HO-1: A bare-bones policy that covers basic perils like fire and smoke; wind and hail damage; and theft and vandalism. Because of its limited coverage, howev

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you to avoid purchasing more than what you need.

The three main types of home insurance policies are HO-1, HO-2 and HO-3:

HO-1: A bare-bones policy that covers basic perils like fire and smoke; wind and hail damage; and theft and vandalism. Because of its limited coverage, however, many states are discontinuing the HO-1 policy, and your agent will almost certainly encourage you to purchase a policy that covers more perils.

HO-2: A basic policy that protects against the same perils covered under an HO-1 policy, plus six more. Additional coverages include water damage from plumbing and home appliances; falling objects; and damage from the weight of snow or ice.

HO-3: A broad policy that covers against all perils except for exclusions such as damage from earthquake, flood, war or landslides. Its extensive coverage makes the HO-3 coverage the most commonly purchased policy.

Other homeowner’s policies are available for condos, mobile homes and older homes. Your homeowner’s insurance agent will discuss special types of policies with you if they apply to you.

Level of Coverage

After you’ve chose a policy type, you’ll need to determine the level of coverage you want.

Generally speaking, you have three options:

Actual Cash Value: This level of coverage pays to replace your home and possessions minus the cost of depreciation. This means you may receive less for your home or items than you originally paid for them.

Replacement Cost: This level of covera