Basic Coverage of Homeowner Insurance Policies
The insurance policy is a package that includes more than 1 type of insurance in a policy. There are 4 types of coverage contained in the home insurance policy.
Included are:
Dwelling and Personal Property
Personal Liability
Medical Payments
Additional Living Expenses
In this article, Dwelling and Personal Property Damage will be explained:
Property damage coverage will help pay for any damage to your dwelling or personal property. Other parts of your home, such as a detached garage, a shed, or any other building on your property are usually covered for about 10% of the amount of coverage on your home.
Personal property coverage pays for your personal property, which includes your furniture, clothing, and other personal property.
The amount of that insurance coverage is about 50% of the policy limit on your home. This type of coverage is also limited by the type of loss specifically listed in your policy.
The coverage usually only pays the current cash value of the item damaged or destroyed, unless you actually purchased replacement cost coverage.
Your home insurance policy also includes off-premises coverage. What this means is that the policy covers your personal belongings against theft even when they are not in your dwelling.
Your insurance company will reimburse you for the cost of replacing your suitcase and whatever its content is if it were lost or stolen when you were away on vacation, but only for replacing them with the personal property of the same kind and quality.
Copyright 2005 Fern Kuhn, RN
Specializing in Diabetes
http://www.diabetestestingcenter.com
http://www.homeinsurancehelp.info
http://www.healthinsurancecenter.info
You may reprint this article as long as you keep the links active.
 Google News Updated : Mon, 13 Oct 2008 11:51:33 GMT Forecast: Summery Sunshine Sticks Around - Washington Post
Washington Post - Columbus Day will feel a lot more like Labor Day as temperatures climb to around 80 degrees. This unseasonably warm weather will continue for the next several days. Enjoy a warm, sunny Columbus Day Beautiful start to the work week Publ.Date : Mon, 13 Oct 2008 09:03:26 GMT Manatee dies before reaching rehab site - Boston Globe
Boston Globe - By Emily Canal After a 27-hour trip to Florida, Dennis the manatee, rescued from the frigid waters of Cape Cod, died in Orlando yesterday as SeaWorld employees carted the mammal to a rehabilitation center. Video: Rescued Manatee Dies After Mass. Rescue Manatee rescued off Cape Cod dies en route to Florida Sea World Publ.Date : Mon, 13 Oct 2008 07:21:21 GMT UK government takes stake in three banks - CNN International
CNN International - LONDON, England (CNN) -- The British government on Monday said it would make a multi-billion investment in three of the country's major banks to help them through the "first financial crisis of the global age. In quotes: Bank bail-out reaction TEXT-Lloyds TSB terms for acquisition of HBOS Publ.Date : Mon, 13 Oct 2008 11:18:47 GMT European, Asian markets bounce back - The Associated Press
The Associated Press - LONDON (AP) - European markets opened strongly Monday following Asia's lead in response to the widespread government efforts over the weekend to shore up the world's troubled financial system. The financial crisis A light at the end of the tunnel? World stock markets welcome European bank rescue Publ.Date : Mon, 13 Oct 2008 10:23:04 GMT 1.5 million G1 Android phones pre-ordered - TG Daily
TG Daily - By Wolfgang Gruener Chicago (IL) - T-Mobile’s upcoming G1 may not be the best-looking iPhone rival, it may not have the most complete feature set and T-Mobile may have undersold the device at the recent launch event. Get ready for next-gen mobile HTC G1 Android Phone Racks up 1.5 Million Pre-orders Publ.Date : Mon, 13 Oct 2008 05:21:21 GMT Dodgers stand up to Phillies in Game 3 win - FOXSports.com
FOXSports.com - by Ken Rosenthal Ken Rosenthal has been the senior baseball writer for FOXSports.com since Aug. 2005. He appears weekly on the FSN Baseball Report and MLB on FOX. LA revitalized at Moyer's expense Kuroda's pitch serves its purpose for Dodgers Publ.Date : Mon, 13 Oct 2008 07:00:36 GMT Fantastic finishes: 5 NFL games down to the wire - Washington Post
Washington Post - Dallas Cowboys' Mat McBriar (1) has his punt blocked by Arizona Cardinals' Sean Morey as Monty Beisel (52) looks on during overtime of an NFL football game Sunday, Oct. 12, 2008 in Glendale, Ariz. Blocked punt downs Dallas Backups Burst Through Line and Lift Cardinals in Overtime Publ.Date : Mon, 13 Oct 2008 08:15:50 GMT Legitimate Work From Home Jobs |
PARLOT::Ebooks, Scripts,
Websites, and more... You can withdraw money from your Health Savings Account (HSA)... Read More By searching online for life insurance, you can get a... Read More OK, you take that stroll down to the mailbox excitedly... Read More With the soaring rise in claims to insurers from their... Read More Insurance adjusters are not without outside pressures they must deal... Read More How many times have you seen people whose life was... Read More Protecting your family is the single most important thing any... Read More Whole life insurance quotes the most expensive kind of policies... Read More The biggest single investment most people make in their lifetime... Read More Gone are the days of the cinder block and wood... Read More More than 150 insurance companies offer thousands of life insurance... Read More When deciding on the appropriate amount of homeowner's insurance coverage... Read More Consumers are countering rising gasoline prices and other vehicle operating... Read More When I was a lad, some 25 years ago, the... Read More If you're self-employed and facing high health insurance bills, there... Read More Insurance is an important part of our lives. If you... Read More Auto Insurance rates are a complicated business. Have you ever... Read More This "How To" article is crucial, up-to-date information concerning what... Read More Whether you're looking for insurance quotes for auto, life, travel... Read More It seems as though the price of everything is on... Read More Global warming may have been lurking on our horizon for... Read More Americans shopping for their own healthcare insurance can substantially cut... Read More Since the widespread growth of internet usage and database building... Read More One of the greatest pleasures that a man can have... Read More Having even a teeny-tiny car accident can be one of... Read More
Adsense
websites
What Type of Doctor Should I See Under My HSA?
A Free Term Life Insurance Quote Is Only Easy To Obtain
What Are The Differences Between A Cancellation Notice And Non-renewal Notice?
Reducing Soaring Insurance Claim Costs
Outside Pressures On The Typical Insurance Adjuster
Bankers Long Term Care Insurance
How To Take The Guesswork Out Of Buying Term Life Insurance
How To Get Cheap Whole Life Insurance Quotes
Why Do You Need Homeowners Insurance?
Are You Sure That Heirloom Oriental Rug From Your Aunt Hilda Is Really Insured?
Tips for Choosing a Life Insurance Company
Homeowners Insurance Coverage
Hidden Ways to Cut Car Insurance
Online Insurance: The End of the High Street Broker?
Self Employed Health Insurance - Tips For Getting Cheap Health Insurance When Youre Self Employed
Discount Insurance - Get Affordable Coverage For All Your Insurance Needs
Who Sets Auto Insurance Rates?
Handling Your Motor Vehicle Accident With Your Own Insurance Company
Affordable Insurance Quotes To Save You Money!
How Do I Lower My Auto Insurance Premiums?
Global Warming: Why Consumers and Insurers Are Getting Hot Under the Collar Over Life Insurance.
10 Tips to Save on Healthcare Insurance
Finding Fast Life Insurance
Why Boats Are A Pleasure... But You Still Need Boat Insurance
Seven Steps to Filing Your Car Insurance Claim
Affordable and Reliable Web Hosting Starting at $4.49/Month
Auto Insurance Primer
What is auto insurance? Auto insurance (or car insurance, motor... Read More
Life Insurance Settlement
A new financial tool is now available for senior citizens.... Read More
Everyone Wants The Cheapest Automobile Insurance Quote
When you are looking for an automobile insurance quote, the... Read More
Discount Auto Insurance - Get Low Rates And Superior Coverage
Auto insurance rates can be quite expensive. If you are... Read More
The Surety Bond Domino Effect
I have written many articles about the hard surety bond... Read More
Buy Life Insurance Online and Save
There are many ways to research and buy a life... Read More
What Answers To Questions For A Home Insurance Price Quote Will I Need To Know?
Lets face it, finding the best home insurance price quote... Read More
Cheap Term Life Insurance is Available Everywhere
Cheap term life insurance is easier to get than most... Read More
Reducing Soaring Insurance Claim Costs
With the soaring rise in claims to insurers from their... Read More
7 Sure-fire Ways of Reducing Your Home Insurance Premium
Home security improvement:All insurance companies will happily offer you a... Read More
Life Insurance: Why Theres No Need to be a Desperate Housewife
Life insurance looks set to make a comeback in the... Read More
Why Boats Are A Pleasure... But You Still Need Boat Insurance
One of the greatest pleasures that a man can have... Read More
Terrorism Insurance - What it Costs Small Business
The Terrorism Insurance Act of Nov. 26, 2002. This helps... Read More
Cheap Health Insurance - Health Insurance for The Self Employed
If you're self employed, you may think of health insurance... Read More
Ever Wondered What An Auto Insurance Claim Adjuster Does?
An auto insurance claim adjuster works for the insurance company... Read More
Which Car Should You Own To Keep Your Insurance Rates Most Affordable?
Do you consider the cost of insurance before you buy... Read More
Entrepreneurs, Fill in the Gaps of Your Homeowners Policy
Business Owners Policies for the Self-EmployedWho needs a business owner's... Read More
Types of Long Term Care Insurance
Regardless of what some people might think, medical insurance will... Read More
Term Or Whole Life Insurance - Which Is Right For You?
One of the most important things you will ever do... Read More
Seven Steps to Filing Your Car Insurance Claim
Having even a teeny-tiny car accident can be one of... Read More
Term Life Insurance Quotes for Singles
Term life insurance quotes are rarely a concern of single... Read More
Insurance Claim: Collecting Your Lost Wages
A couple months ago you were toolin' on down the... Read More
Types of Auto Insurance Coverage Explained
A question you might ask yourself is: why must we... Read More
The Importance of Travel Insurance
You've finally saved enough to go on that dream vacation... Read More
Auto Insurance Rates
Auto insurance rates will vary depending on the insurance agency,... Read More
Insurance |