Homeowners Insurance

RECENT NEWS
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...
Insurance Journal  Sep 15  Comment 
The Texas insurance commissioner has allowed the three largest home insurers to impose significant rate hikes on many policyholders despite the objections of a state consumer advocate. Insurance Commissioner Julia Rathgeber can reject any new...
Motley Fool  Sep 13  Comment 
Your purchase decisions can come back to bite you at claim time.
Insurance Journal  Sep 11  Comment 
As Florida seeks to revive its private home insurance market after almost a decade without a hurricane, homeowners are pouring $6 billion a year in premiums into a new generation of small, in-state insurance companies with an unproven record of...
USAToday.com  Sep 7  Comment 
Four hurricanes in 2004 caused more than $45 billion in estimated property damage.




RELATED WIKI ARTICLES

Related Articles

 
TOP CONTRIBUTORS

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.
Wikinvest © 2006, 2007, 2008, 2009, 2010, 2011, 2012. Use of this site is subject to express Terms of Service, Privacy Policy, and Disclaimer. By continuing past this page, you agree to abide by these terms. Any information provided by Wikinvest, including but not limited to company data, competitors, business analysis, market share, sales revenues and other operating metrics, earnings call analysis, conference call transcripts, industry information, or price targets should not be construed as research, trading tips or recommendations, or investment advice and is provided with no warrants as to its accuracy. Stock market data, including US and International equity symbols, stock quotes, share prices, earnings ratios, and other fundamental data is provided by data partners. Stock market quotes delayed at least 15 minutes for NASDAQ, 20 mins for NYSE and AMEX. Market data by Xignite. See data providers for more details. Company names, products, services and branding cited herein may be trademarks or registered trademarks of their respective owners. The use of trademarks or service marks of another is not a representation that the other is affiliated with, sponsors, is sponsored by, endorses, or is endorsed by Wikinvest.
Powered by MediaWiki