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Homeowners Insurance
Homeowners insurance is a form of insurance that covers losses and damages to an individual’s residence. It also covers furnishings and other assets within the home. With a homeowners insurance plan, you’ll have liability coverage against accidents that occur in your home too.
Before you purchase a homeowners insurance plan, here’s everything you need to know.
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What Is Homeowners Insurance?
Homeowners insurance policies cover four types of incidents. They include:
- Interior damage
- Exterior damage
- Loss or damage of personal assets
- Injury that occurs on the property
All homeowners insurance policies have a liability limit that determines the amount of coverage that the insured has. A lot of plans have their limit set at $100,000, but policyholders can choose to set this limit higher in exchange for higher premiums or a higher deductible.
What Isn’t Covered By Homeowners Insurance
Homeowners insurance doesn’t cover acts of war or acts of God. Acts of war are defined as any damage that is caused by military action. Acts of God include events like earthquakes and floods. These events require additional insurance that must be purchased separately through either another plan or an insurance rider. Though, most plans cover common events like tornados and hurricanes.
Save On Homeowners Insurance
If you want to lower the cost of your homeowners insurance, bundle it with an auto plan from the same company. While this isn’t always possible, many companies offer you the chance to lower your overall costs if you purchase home and auto insurance together. This also makes managing your benefits easier, because everything is handled in one place by one company.
Purchase Homeowners Insurance Today
You can get homeowners insurance for a low monthly cost. So, start comparing plans to find the best deal now. The licensed insurance agents at Insured for Life can help you start the process. Give us a call today to begin comparing quotes.
