Homeowners Insurance: Everything You Need to Know Before You Buy

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Buying a home is a big deal and a significant investment. For most of us, our house is our biggest expense. But, more importantly, our house is our home.

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It’s where we relax, rest our heads at night, probably work from now, and it’s what keeps us, our family’s, and all of our stuff safe.

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At its core, homeowners insurance is an insurance policy that covers losses and damages to your home and assets in the house. A typical homeowners policy typical covers:

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– Damages to the exterior of a home – Damages to the interior of a home – Loss or damage to personal asset – Injuries that occur on the property

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In addition to these coverages, if you live in an area prone to natural disasters, also known in the insurance business as “Acts of God,” you may also have policy coverage for disasters such as:

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– Earthquake – Flood – Tornado – Other uncontrollable events

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Of course, with these extra protections/coverages comes additional cost. As a result, most people choose not to include coverage for such events as they do not happen enough or at all in the areas in which they live.

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Swipe Up

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