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Home Insurance Basics

What is homeowners insurance?
Co-op or Condo insurance?
What does the standard homeowners policy imply?
Home insurance and flooding
Is there a chance of having a house without insurance?
Why are home assets necessary?
Cancellation and Non-renewal: any different?

Homeowners Insurance Myths

After you buy homeowners insurance, you may believe you are covered for everything. You might believe you're safe, that no matter what goes wrong with your home, you will be unprotected. Unfortunately, this can be a very expensive mistake. It's important to know exactly what you are paying for when you hand over a check for your home insurance. Here are some common myths people have about homeowners insurance.

Natural disasters. Most insurance policies don't cover many natural disasters, such as earthquakes or floods. If you live in a susceptible area and want to be protected, you can look into buying coverage separately from your standard home insurance.

Termites. These pests can destroy the structure of your home without you ever knowing they were there. They can cost thousands of dollars in damage, and your insurance will not pay to fix it. If you live in an area that is susceptible to termites, the best thing to do is have your house frequently checked by a professional.

Valuables. Some people believe their valuables, such as jewelry, are automatically protected in their insurance plan. This is true to a degree up to a certain amount, your possessions are covered. However, if what you own exceeds that amount, you will have to purchase extra insurance to cover the rest.

Mold. You are responsible for the upkeep of your own home. If your house is damaged due to neglect-- as is the case with mold damage then the damages are not covered by home insurance.

Medical costs. If you are injured at home for any reason, your injuries are not covered under your homeowners insurance. This can be confusing, because there is a medical section included in your policy. What this medical section really means is that if a guest gets injured on your property, your insurance will protect you from any costs that arise as a result. For example, you are protected if your guest decides to sue for damages.

All policies are the same. Some people believe that insurance is insurance, and it is pointless to shop around. This simply isn't true. Every insurance provider is different, and will give you a different price based on your own situation and needs. The best way to ensure you get a great deal is to shop around. The more homeowners insurance quotes you get, the better chance you have of saving money.


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