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The following article was published in our article directory on June 23, 2017.
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How to protect your dwelling with home insurance

Article Category: Advice

Author Name: Jennifer Lang

Home is where the heart is, they say, and rightly so. A house is among the biggest investments that anybody makes. Therefore, it is incumbent upon them to do everything in their means to protect it from every kind of harm. There is no room to be careless when it comes to your most important investment. This is why we stress on the importance of home insurance since it is extremely important for the protection of your house, especially in case of an emergency.

While it is common knowledge that home insurance is essential for the protection of your house, you must also understand that different home insurance policies have different limitations on what is covered by them.

You will find that the most comprehensive of the insurance policies will have some limitations under the sections of natural disasters. Therefore, you are recommended to choose the options that work best for you.

Standard Home Insurance Policies—Coverage and Limitations
You will find that any standard home insurance policy offers four types of coverage.

These include dwelling, liability, personal belongings, and additional living expenses. We have discussed them below in detail:

Dwelling

The coverage for the dwelling vary tremendously depending on the state and region. However, a typical home insurance policy coverage for the protection of your dwelling includes the following:

Vandalism
Fire/Arson
Explosion
Theft
Wind and Hail
Lightning strikes
Damage caused by snow, ice or sleet
Damage caused by an aircraft or motor vehicle
Falling objects

Personal Belongings

Next are your personal belongings. These include clothes, furniture, and/or other personal belongings that are destroyed by fire, stolen, damaged due to other natural disasters such as hurricane. This coverage, in most cases, is 50 to 70% of the insurance. Items that are off the premises are also covered, however, the payout in such cases is just 10% of the dwelling insurance.

Highly valuable and expensive collectibles such as jewelry, artwork, and even furs are covered under insurance policy if they are stolen. However, there is generally a limit on how much will be paid and if the value exceeds the dollar limits, you will not receive complete compensation.

Liability protection

Liability provides you protection against the lawsuits that you might have to face in case of property damage or bodily harm caused to other people by you. In case you have a lot of assets and are looking for more coverage than what is offered under your home insurance policy, then you should go for an excess liability policy.

Additional Living Expenses

Sometimes your house is damaged from a peril that is covered by your home insurance policy. In case the damage is serious enough to prevent you from living there, then the insurance policy will take care of your additional living expenses such as meals and hotel bills.

A good home insurance policy does everything to save your bucks from going to waste. It protects your dwelling, ensuring that the biggest investment of your life is safe and secure.

Keywords: life insurance, car insurance, homeowner's insurance, business owner's insurance, estate planning

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