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What is Home Insurance?
What is home insurance? It’s a question that many people struggle to answer even though they have the home insurance they think they need. They just get covered because they believe that is what they need to do, however, they don’t do the research that is really and truly important to try. Well, luckily General Insurance is here to provide you with the information that you need to know about home insurance.
First of all, home insurance consists of a few different types of coverage, each of which is essential when you own a home. Some consider the main part to be dwelling coverage, but this is just as important as the other parts of home insurance. This coverage will protect your home against fires, vandalism and wind and hail damage. These are some of the most common things to happen at a home!
Another part of home insurance is liability coverage. This covers you if something happens at your home like a a dog bit from Fido or someone sues you from a slip and fall. This is something that is great to have because it means you won’t be liable when something does go down that affects your home or you. It also sometimes covers you if you damage someone else’s property, but that usually depends on your plan so double check with your homeowner’s insurance that you choose at the end of the day.
Finally there is the part of home insurance that is about protecting your personal property. You have a lot of things and you want to insurance them that way you won’t have to worry about them. The thing that you have to understand is that it doesn’t cover cash, only a very small amount. That’s because it’s hard to know and document how much cash you actually have at your house.
So, now that you have the answer to the question what is home insurance you will be able to get coverage and feel confident when you go to sleep at night. There are plenty of reasons why you would want to get covered and the above definition describes just a few of them. You want to make sure that your home is covered up to the right amount so that if you had to replace it you would be able to.
Now there are several things that home insurance absolutely does not cover. It doesn’t cover earthquake damage or damage from any type of landslide or sinkhole. You will have to get extra coverages from that. You will also have to get extra coverage for things like hurricanes, and especially for flood damage. The main point is that you should research what types of natural disasters are possible in your area and get the right type of home insurance add ons for your region.
Getting home insurance has never been easier with our ingenious system that lets you compare rates for free and get a good idea of which company is really best for your region and zip code. Home insurance has never been easier to learn about or get! Get covered now because home insurance is what you need if you are a home owner.