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All About Cheap Home Insurance
When you want cheap home insurance it’s no wonder that you have turned to us here at General Insurance. We have the most information available on the web about insurance for your home, and many other types of insurance too. If you haven’t yet gotten a policy for your home you should definitely look into it because if you don’t have one and something happens you will probably not feel very good about the whole thing. You won’t be able to get coverage to replace or fix what is broken.
The first thing that you need to understand is that a home insurance policy is different than a home warranty. Home insurance covers the home, other buildings on the property, and the contents in the home. It protects them from damage due to random events, not regular wear and tear. However, a home warranty can help you to fix or replace home items that break down from usual use. Having both things is probably a pretty good idea because you will definitely want to have help with either one of those things.
So, what exactly is home insurance? Well there are some basic components:
Dwelling coverage is the part of home insurance that covers the actual home. If you get some water damage or vandalism, dwelling coverage will help to cover any lost expenses or repairs that need to get done.
Liability coverage will cover you in case something happens to someone who is visiting your property. They might trip and fall or have something fall onto them. Your dog might even bite them no matter how well trained it is. So, if someone decides to sue you or needs coverage for medical bills from an injury, your home policy protects you from having to pay for it out of your own pocket.
Personal property, also called home and contents coverage, covers everything that you keep in your home. Some policies protect them no matter where in the world they are located at the moment, so you should do research on what your policy covers. This is great because everyone has a few expensive electronics and nowadays they are even more important to our every day functioning and so you would definitely want to replace them as soon as possible and cheap home insurance can help.
There are some other less common or less mandatory portions of home insurance as well.
If you have other buildings on your property like a guest house or structures for agriculture, you will want to have them covered under this type of policy. Even a shed or a garage that is not attached to the house might qualify so make sure you’re clear on what you need to have covered in your policy.
Additional Living Expenses
This type of coverage will help you if your home is so badly damaged that you can not even stay there for the moment. If you want to make sure that you’d have money for a hotel or a temporary sublet while your home gets fixed if the unthinkable should happen, then you need to get this type of coverage.
Now, there are also some things that home insurance will not cover. For these things you will need to get extra coverage.
Flood insurance is a very important type of coverage to get. Pretty much anywhere can flood these days because the climate has become a bit unpredictable. The hard facts show that most places are experiencing more extreme weather and that makes flooding more likely. You will probably want to get flood insurance even if you don’t live in a place that traditionally has floods.
Earthquakes, Sinkholes and Landslides
These are all covered on movements of the earth. Earthquakes are definitely not covered by any usual home insurance policy so if you live in a place where it happens, you will need separate policy. This will ensure that you get the coverage you need if the big one strikes. If you get it, you will notice that it usually covers a few different things. That means there is coverage for your belongings, a place to stay when it all goes down and your home is unusable, and hope for replacing your home when you need to repair things.
Sinkholes and landslides are also not covered, except for in Florida where they are required to be covered by your usual home insurance policy. So, if you live in a place where either of those things are common, you will need to get covered as well.
If you live in a hurricane prone state it is highly unlikely that you will have coverage for your usual wind damage on your regular policy. That means that you will have to get a coverage that is totally separate from your usual policy because those winds to make things fly through the air better than the most wild circus performers.
Anything Related to Negligence
If you want coverage for *anything* that could go wrong in your home, you’ll have to get some extra policies. That’s because these policies do not cover things that are related to your own negligence like damage from frozen or burst pipes, sewer backups or mold buildup in humid environments. It’s a sad thing because all these problems are quite costly to fix, but you have to know about it so you can get appropriately covered.
Nuclear War is not covered in your home insurance policy. It’s an unlikely event but insurers probably figure that if there is a nuclear war we will all have bigger things to worry about than replacing our homes. However, nuclear accidents are also not covered by insurance companies for the millions of people who live within a close range of a nuclear reactor. There is, however a legal policy that protects people who live within 10 miles of a nuclear reactor that will help them in case of an accident.
Terrorism is not something that most people have to think about on a daily basis, but it is a threat in general, simply because you never know what is going to happen. Home insurance doesn’t cover this unlikely event probably because it is so unlikely. The insurance industry has declared that these events are simply not able to be insured because they are so unpredictable in the rare case that they do happen.
General War Acts
Well, if a war breaks out replacing your home might become the least of your worries. These things are too unpredictable for home insurance companies to cover, but the good news is that it is probably not going to happen where you live (knock on wood just to be safe!)
After those intense items, you might laugh out loud when you find out that home insurance policies do not cover liability for things that happen on trampolines, probably because injuries are so common on them. Some companies won’t even offer you coverage if you have one at your home!
Now you know all about home insurance, whether that is cheap home insurance or regular. If you want to find out what people are doing to get it, you just have to get a free quote from General Insurance. Here is where it has been decreed that the people have access to free quotes from tons of different home insurance providers and it is easier than ever to get covered through the web or through our phone line which allows you to talk to a certified assistant who can give you all the information you need about getting home insurance!
Getting covered on General Insurance is so easy that anyone could do it, so give it a shot right now and find out how much you can save whether you’re new to home insurance or changing to a new policy.