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What is the Top Home Insurance
The top home insurance seems like an elusive idea to some people out there in the world but really it is so easy to find. The reason we created this site in the first place is because we wanted to make it as easy as possible for people to get covered for all the important things in life. Your home is probably the most expensive thing you will purchase in your life and you want to protect it. Even more important is that it is where you and your family sleep every night and hang out during the day. It’s where you retreat when you are tired and where you have a lot of amazing celebrations in life. So, it only makes sense that you would want to protect it.
Now getting the top home insurance is easier than ever. You can get covered through the multiple quotes you receive from General Insurance. It’s easy to use our site. You just put in your zip code and click to see what companies offer free quotes and home insurance in your area. Then you can get your quotes and see what type of insurance will be best for you. Before you get covered it’s important that you know a few things about home insurance. First of all it’s important for you to get numerous quotes. If you do not, you will never really know if you are getting the cheapest rates if you just got with the first option that comes your way! Luckily we make it so easy to do that. More people than ever are saving on their home insurance.
So you need to understand that home insurance does not include everything that you would hope it does. The main component of home insurance, dwelling coverage, covers your home, but only against a few different things. First up is fire. There is always a small risk of fire in any home and it’s something that we hope wouldn’t happen but it’s best to be covered just in case it does. Many home insurance policies also cover against wind damage, but not everywhere or in every instance. If the wind was part of a hurricane or tornado, you’d probably need to get a different form of coverage depending on where you live. It also covers against vandalism and robbery. However, there are more things that it doesn’t cover than what it does cover. Luckily you can always get more coverage to give yourself the best coverage possible.
It does not cover earthquakes which happen very frequently in some places. The usual places like California and Washington have earthquakes but more places that have experienced fracking also have them now too. What you really need to do to determine if you need some insurance for earthquakes is do some research on your states specific situation as it pertains to movement of the earth and tectonic plates on a regular basis. Along similar lines, mudslides are also not covered by home insurance policies without extra coverage. Sinkholes which develop frequently in mining areas are required to be covered in the state of Florida, but other places they are not covered so keep that in mind. Do some research on what goes on in your state.
Floods are also not covered. This is unfortunate because many areas are getting floods that didn’t used to, so people aren’t prepared with flood insurance. Flood insurance can only be bought through your state’s specific flood insurance bureau. This is an important type of coverage to get because flooding is very devastating. Even having a few feet of water in your house could lead to a lot of destruction and having to redo the whole thing. If you don’t redo it quickly or properly you could have problems with the structure of your house or mold so you really need to get it!
If you live in a place with hurricanes you will need to get separate coverage for that too. This is a different type of insurance that can be added on to your regular home insurance policy. This will add a special “hurricane deductible” to your policy. This is a percentage of how much your home is insured for that you will have to pay out for damage from a hurricane. It is usually between 2 and 5 percent which doesn’t seem like much but if you have an expensive home that could be a lot. However, when you consider the overall cost of a home it’s really not that much. For hurricane insurance to take effect it has to be caused by a named seasonal storm. In some states if there are two hurricanes in one season, the deductible only counts once, which is good news for those in extremely hurricane prone states like Florida.
Even the top home insurance policies do not cover wild things like nuclear accidents or acts of war. You’ll be glad to know that if you do live within 10 miles of a nuclear power plant you are automatically covered by a governmental policy. However, everyone else is out of luck. Luckily the likelihood of these things are not very likely in the US, and you don’t have to worry about them. Never say never, of course, but you can’t live your life in fear of something so unusual happening!
Besides dwelling coverage there is also personal property coverage. This covers your personal belongings and basically everything you own. It sometimes even covers vehicles or boats on your property but not always so make sure you have all the information about your specific plan before you get all giddy. There is also liability coverage which protects you against any litigation that happens at your home as a result of an accident. All these types of coverage make up home insurance and show you why it’s a great idea.
So now that you know more about home insurance you may feel even more prepared to get covered. If you’ve been wondering what the top home insurance companies are like then you have probably already heard of them anyways. There is GEICO, Progressive, Allstate and all the ones you have seen in catchy commercials on TV. However, you might find out that a smaller local company has the best rates of the best customer service because it is run by people who live in your community who know exactly what you need. That’s why it’s so important to shop around on a site like the one we have prepared here for you, General Insurance.
So if you are ready to get covered by a top home insurance company then use our ridiculously easy website right now. It’s free to use and you’ll only save money by using it. There’s no obligation to sign up for anything, just get free quotes and find out how much you can save.