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What Does Home Insurance Cover?

Homeowner’s insurance covers more than just the structure of your house. It safeguards you against liability if anyone is injured on your property, be it a guest, or one of your household members. It pays out for repairs to any damages to your dwelling, as well as the additional structures on your property, safeguarding against theft (even identity theft) and vandalism, damage due to weather or structural issues, and more! In addition, home insurance works even when you’re not home, due to extended out-of-town business trips, long term hospital stays, or if you’ve had to move into assisted living. Some plans can even pay your mortgage for you in an emergency! If you own multiple properties, or have tenants, home insurance extends that same net of protection to your rental properties, as well.

Compare Homeowners Insurance

Homeowner’s insurance is typically tied in with your mortgage payment - so you never really see it or think about it - and like with auto insurance, most of us just go with whatever type of coverage the bank recommends. We never really read through the actual policy to understand what is covered, and more importantly, what’s not covered by that insurance agency. It isn’t until we have to file a claim that we find out how little protection we had for the huge premium we’ve been paying. That’s why it’s so important to take a few minutes out of your busy day to do some online investigation. See how your plan compares to others that are available on the market!

Types Of Homeowners Insurance Policies

There are eight main types of homeowner’s insurance policies, ranging from Basic Form insurance, which safeguards against ten named perils including fire or smoke damage, explosions, lightning, hail and wind storms, theft and vandalism, damage from vehicles, and others to Comprehensive Form. Each additional form adds additional coverages to the list. Basic Form insurance, also called HO-1, is followed by the following insurance types, each of which provides more, or different, types of coverage:

• HO-2: Broad Form.
• HO-3: Special Form.
• HO-4: Tenants Form.
• HO-5: Comprehensive Form.
• HO-6: Condo Form.
• HO-7: Mobile Home Form.
• HO-8: Older Home Form.

Tenants Form, Condo Form, Mobile Home Form, And Older Home Form insurance policies are specially designed for coverage directed at the type of home or situation listed in the title. Broad Form includes coverage for more perils than Basic Form, and Special Form provides coverage for more perils than Broad Form. Comprehensive Form often covers more perils than any other types of homeowner’s insurance policies and covers all perils unless they are specifically excluded in writing in the plan.

How To Save Money On Home Insurance?

Did you know that you could save thousands of dollars per year by switching home insurance carriers? By comparing quotes and coverage plans from different home insurance underwriters, you could easily double the protection on your most valuable asset, and still have money tucked away to put into savings or home improvements! Now that you’re a homeowner, it’s time to start thinking about the rates you’re paying and the coverage you receive. Thankfully, you don’t have to do it alone! Just click on GeneralInsurance.com, answer a few simple questions, and let our team find you the perfect coverage, and answer all your questions.

Choose Only Trusted Home Insurance Agents!

Insurance may seem complicated, especially when the commercials say that not all coverage is available in all states. But the trusted agents at GeneralInsurance.com can help you quickly navigate through the confusion, and offer you online quotes that will save you both time and money! They can also find you better rates for auto, health and life insurance; and bundling them together will save you even more! All it takes is a few minutes online, and a General Insurance trusted agent will offer you greater peace of mind, knowing that you, your family, and your home are completely protected. Plus, you will still have money left over to actually enjoy your time at home!