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Home owners pay periodic payments called insurance premiums to an insurance company. The company pays all or most of the costs to repair damage to the home, replace belongings in the home and other expenses that are a result of an insurable event.

These could be weather related, accidents or other unexpected events. The cost of insurance varies greatly and can be affected by type, age and location of the structure.

The following are common types of homeowners insurance, an overview of the coverage offered and what events are protected against. This is the most basic coverage type.

This policy only covers 11 perils and includes basic liability coverage. The perils covered by an HO1 policy are:. Along with the 11 perils covered under an HO1, an HO2 policy also covers:.

Referred to as the Special Form Policy, is the most commonly purchased single-family home policy. This policy includes liability and covers most forms of peril, with a list of exclusions such as Earthquake and Flood.

Property within the home is covered in an HO3, but only in regards to a list of specific perils, so the personal property coverage is somewhat limited.

The Comprehensive Form policy is considered one of the most comprehensive policies available. Like the HO3, is considered a complete protection plan with a list of exclusions.

The HO5 policy also covers property within the home against everything except the listed exclusions. A very basic policy, the HO8 only covers a home against the most basic perils.

It is usually used on older homes and insures at market value or actual cash value rather than replacement cost. This classification covers the value of the home itself.

Most policies have this coverage with the exception of HO4. This coverage includes other structures on the property such as a garage, as long as they are not used for business.

Coverage C is for personal property. Coverage C can be issued as a cash value or replacement cost policy. This covers additional living costs if the owner needs to move out while repairs are being done as well as recuperating lost rental income if the home is fully or partially rented out.

This is a catch-all category for other coverages such as fire department charges, damage to trees, debris removal, etc. The cost of home insurance depends on the type and classification, the deductible as well as other details.

The deductible is the amount of money that an insurance holder pays out of pocket before the insurance company kicks in with its payment on a claim.

An insurance policy with a low deductible will generally have lower premiums, while a higher deductible policy will have lower premiums. Home Value — The single biggest factor guiding the insurance rates is the value of the home.

This is the overall amount of risk that the insurance company takes on. Size of the Home — Larger homes come with larger risks.

In the event of a fire or other disaster, there is more possible damage in a large home. Typically, larger homes have more value, as well.

Type of Construction — How flammable is the home or how storm resistant? Materials like brick and stone typically are cheaper to insure than wood.

Age and Condition — Older homes typically come with more risks including older wiring, furnaces and lack of security features. Location — Is the home in a hurricane zone?

How close is the nearest fire station? Is it in an area where vandalism or burglaries are frequent? The insurance company takes all of these factors into consideration.

Credit Score — Credit scores count as a factor on home insurance. A good credit score shows responsibility and makes the insurance company more likely to consider the candidate to be a low risk homeowner.

Low risk means lower rates. With all of the home insurance options available, it can be difficult to know just how much insurance is enough without paying for more than you really need.

Consider what risks are inherent with the location of the home and add on extra insurance like flood or hurricane if needed. The safety of visitors to a home lies with the homeowner.

Should someone fall on an ice patch or trip on a loose board, the homeowner can be held accountable for any medical bills and damages that come about as a result.

Having adequate liability coverage is essential. If a home is damaged or destroyed, the homeowner will need to find somewhere to live while repairs are made.

Not everyone has relatives close by to help out in these situations. Costs for a hotel or apartment can add up in a hurry. Legally, yes, it is possible to own a home without home insurance coverage.

That is, only if the homeowner owns the home in full. If there is a bank mortgage on the home, the bank will require a certain level of coverage to protect its investment.

How much coverage could vary according to the bank and the specifics of the home itself. A kernel is hidden in me, a spark, a thought, I am life from eternal life.

The attempt and the risk that the eternal mother took with me is unique, unique the form and veins of my skin, unique the smallest play of leaves in my branches and the smallest scar on my bark.

I was made to form and reveal the eternal in my smallest special detail. My strength is trust. I know nothing about my fathers, I know nothing about the thousand children that every year spring out of me.

I live out the secret of my seed to the very end, and I care for nothing else. I trust that God is in me. I trust that my labor is holy.

Out of this trust I live. When we are stricken and cannot bear our lives any longer, then a tree has something to say to us: Life is not easy, life is not difficult.

Those are childish thoughts. Let God speak within you, and your thoughts will grow silent. You are anxious because your path leads away from mother and home.

But every step and every day lead you back again to the mother. Home is neither here nor there. Home is within you, or home is nowhere at all. A longing to wander tears my heart when I hear trees rustling in the wind at evening.

If one listens to them silently for a long time, this longing reveals its kernel, its meaning. It is a longing for home, for a memory of the mother, for new metaphors for life.

Every path leads homeward, every step is birth, every step is death, every grave is mother. So the tree rustles in the evening, when we stand uneasy before our own childish thoughts: Trees have long thoughts, long-breathing and restful, just as they have longer lives than ours.

They are wiser than we are, as long as we do not listen to them. But when we have learned how to listen to trees, then the brevity and the quickness and the childlike hastiness of our thoughts achieve an incomparable joy.

Whoever has learned how to listen to trees no longer wants to be a tree. He wants to be nothing except what he is. But its ok, they know me here.

Never turn back and never believe that an hour you remember is a better hour because it is dead. Passed years seem safe ones, vanquished ones, while the future lives in a cloud, formidable from a distance.

Montgomery, Anne of Avonlea. And there are things in us that we can find again only by going back there.

If you go back there after the people are gone, then all you can see is what is not there any more. It was wherever the people who loved you were, whenever you were together.

Not a place, but a moment, and then another, building on each other like bricks to create a solid shelter that you take with you for your entire life, wherever you may go.

How close is the nearest fire station? Is it in an area where vandalism or burglaries are frequent? The insurance company takes all of these factors into consideration.

Credit Score — Credit scores count as a factor on home insurance. A good credit score shows responsibility and makes the insurance company more likely to consider the candidate to be a low risk homeowner.

Low risk means lower rates. With all of the home insurance options available, it can be difficult to know just how much insurance is enough without paying for more than you really need.

Consider what risks are inherent with the location of the home and add on extra insurance like flood or hurricane if needed.

The safety of visitors to a home lies with the homeowner. Should someone fall on an ice patch or trip on a loose board, the homeowner can be held accountable for any medical bills and damages that come about as a result.

Having adequate liability coverage is essential. If a home is damaged or destroyed, the homeowner will need to find somewhere to live while repairs are made.

Not everyone has relatives close by to help out in these situations. Costs for a hotel or apartment can add up in a hurry. Legally, yes, it is possible to own a home without home insurance coverage.

That is, only if the homeowner owns the home in full. If there is a bank mortgage on the home, the bank will require a certain level of coverage to protect its investment.

How much coverage could vary according to the bank and the specifics of the home itself. Home insurance as its own product did not exist in the United States until September Homeowners were able to protect their homes before that date by buying separate policies for each possible peril such as fire or wind.

Changes in insurance laws allowed for the packaged home insurance concept to become legal and The Insurance Company of North America was the first to advertise a homeowners policy that would protect against fire, theft, lightning, wind, explosion, hail, riot, vehicle, damage, vandalism and smoke.

The single policy was less expensive than carrying multiple policies to cover each possible peril. The United States does not have a federal agency to regulate Home Insurance.

Each state monitors and regulates the insurance companies doing business within its borders. States ensure that the company is financially viable, can pay claims as necessary, handles business in a legal manner, and charges reasonable premiums.

When an insured home is damaged, call for police, fire department or ambulance assistance if needed first.

It is best to minimize the damage if it is possible. Keeping receipts for any money spent during this time is advisable, as they can be submitted as a part of the claim.

From the police to the insurance company or contractor, keeping track of the names, numbers, and conversations can keep the process moving smoothly.

Taking pictures of the damage is also a good way to keep records. Once the call is made to the insurance company, they will send an insurance adjuster who will assess the amount of the damage.

It is best for the homeowner to be present when the adjuster is there so they can make sure everything of significance is duly noted.

If the insurance company and the homeowner are not in agreement as to the amount of the damage, a public adjuster can be used as a third-party assessor of the damage.

The homeowner is responsible for the cost of the public adjuster, but may recoup far more in insurance benefits as a result. Home insurance is an insurance policy that protects a home from damage, destruction and other liabilities.

If something were to happen to the home or its contents, the insurance helps pay for the cost of repair or replacement after a deductible is met.

A neighbor slipped on my sidewalk and is threatening to sue me. Does my home insurance protect me? The liability coverage in your insurance can help cover medical costs of anyone hurt on your property due to negligence on your part.

It can also help cover the costs of a lawsuit if necessary. Do I need to keep an inventory of my belongings for insurance purposes? Photos of each item are encouraged as well.

Most homeowners policies do not include flood or earthquake or hurricane insurance. If you live in a flood zone, or have concerns about flooding, you should talk to your insurance company about a separate flood insurance policy.

Home insurance is not mandated by state laws but it may be required if you have a mortgage on your home. Most lenders require it to help cover their investment, so unless you own your home outright, you probably are required to carry home insurance.

Whose policy covers the damage? Your policy should cover the damages in this situation. In many states, yes. Some insurance companies see dogs as a liability issue and will increase premiums or refuse coverage altogether.

The breed of dog is usually factored in as well. What is Home Insurance? Types of Home Insurance The following are common types of homeowners insurance, an overview of the coverage offered and what events are protected against.

HO1 This is the most basic coverage type. Johann Wolfgang von Goethe. There is nothing like staying at home for real comfort.

Home is a shelter from storms-all sorts of storms. Home is where the heart is. Home is where the heart can laugh without shyness.

Home, the spot of earth supremely blest, A dearer, sweeter spot than all the rest. Where we love is home, home that our feet may leave, but not our hearts.

The light is what guides you home, the warmth is what keeps you there. Peace that was the other name for home. Home is the place where, when you have to go there, They have to take you in.

Home is where we should feel secure and comfortable. If Home is where the heart is then may your Home be blessed. A house is made of walls and beams; a home is built with love and dreams.

This is the place to find happiness. I do not understand how anyone can live without one small place of enchantment to turn to.

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