Did you know that a homeowners policy can cover more than just your home? It can cover bodily injury to others, jewelry, collectibles, the fence in your yard, and so much more. A policy can cover property in a home, apartment or condo whether you are an owner or a renter. With the right coverages, a homeowners policy can pay to replace your home and/or personal property that is destroyed in a fire or other disaster.
The cost of a homeowners policy is determined by many rating factors. The quality of the coverage provided, claims history of the applicant and even credit history can make a difference. Other factors include, but are not limited to, territory (coastal vs. Inland), quality of construction, age of the structure and even its distance to a fire department may effect the cost.
The quality of coverage on a homeowners policy is determined by the insurer and the type of policy it is. Generally a policy is written on either a named-perils or all-risk basis. A named-perils policy covers only the losses specifically outlined and cited in the contract. The all-risk policy is just the opposite. Unless a peril is specifically excluded, coverage is provided. Either way, it's always a good idea to review your policy and familiarize yourself with the coverages you have, or don't have.
For more information on homeowners insurance and its benefits click HERE.
An automobile policy can provide coverage for more than just the car. Types of coverages may include Liability protection, property damage, medical expenses, towing and rental car to name a few. The liability coverage on an auto policy is generally required by most states but the coverage amounts required may vary. Liability protection can cover your financial responsibility for bodily injury or property damage to others.
Other types of protection may include comprehensive and collision coverage which cover the car itself. Comprehensive coverage reimburses losses from fire, theft, glass breakage or other perils. Collision coverage can pay to repair losses caused by an accident. Generally this coverage is mandatory if the car is financed. Other coverages such as medical payments, car rental and towing may be provided but can vary by state.
For more information on automobile insurance and its benefits click HERE.
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