Homeowners Insurance

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Motley Fool  Nov 15  Comment 
Take certain steps can help mitigate your risks and reduce homeowners insurance rates.
Insurance Journal  Nov 3  Comment 
Property/casualty insurer trade groups won a court victory Monday when a federal judge ruled in their favor that the U.S. Fair Housing Act does not prohibit housing practices including the pricing of homeowners insurance that have a disparate...
DailyFinance  Oct 31  Comment 
Filed under: Family Money, Personal Finance, Homeowners Insurance, Home & Garden, Financial Education Getty Images You know you need homeowners insurance, but what you may not know is how many different types of discounts that your carrier...
Insurance Journal  Oct 30  Comment 
Anchor Property and Casualty Insurance Co. became licensed by the Florida Office of Insurance Regulation (OIR) on Oct. 28 to write homeowners insurance business in the state. At the same time, the company has been approved to assume approximately...
NPR  Oct 3  Comment 
What the fine print in my policy says about how insurance works.
DailyFinance  Oct 1  Comment 
Filed under: Personal Finance, Homeowners Insurance, Pets Jupiterimages It turns out that not only are dogs biting the mailman -- they're biting a whole lot of other people, too. And, more than ever, their owners are being made to pay for their...
SeekingAlpha  Sep 24  Comment 
By RH Analytics: Introduction This is the third of a multi-part series of RH Analytics' short thesis on the HCI Group (NYSE:HCI). In it, we continue our discussion on why we believe the company's business model is deeply flawed and the stock...
SeekingAlpha  Sep 18  Comment 
By RH Analytics: Introduction This is the second of a multi-part series of RH Analytics' short thesis on the HCI Group (NYSE:HCI). In it, we outline why we believe the company's business model is deeply flawed and the stock significantly...
SeekingAlpha  Sep 16  Comment 
By RH Analytics: Introduction This is the first of a multi-part series outlining RH Analytics' short thesis on the HCI Group (NYSE:HCI), detailing why we believe the company's business model is deeply flawed and the stock significantly...




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Understanding Homeowners Insurance

Property Protection

  • Dwelling usually covers the house, any attached structures, house fixtures, plumbing, heating, in-built air conditioning systems and electrical wiring.
  • Other Structures, other than those used for business purposes, covers detached structures like garages, storage sheds and land fixtures.
  • Personal Property covers all personal items in your home that are owned by you or family members who live with you. Protection for these items depends on actual cash value or replacement cost.
  • Loss of Use covers expenses in excess of your normal living expenses should you be forced to live anywhere other than your home during repairs or a government injunction.
  • Endorsements can be added to your homeowners insurance policy at an additional cost to provide extra protection against occurences like theft, inflation, credit card forgery etc.

Liability Protection

  • Personal Liability protects you and family members that live with you from a claim or lawsuit arising from bodily injury or property damage to others caused by an accident on your property. It generally does not provide protection for vehicle- and business-related incidents.
  • Medical Expenses, as the name indicates, pays the medical expenses for individuals who are accidently injured on your property, regardless of who is at fault for the injuries. It does not cover injuries to you or family members that live with you.
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