Monday, September 24th 2018

What is Home Insurance?

Home insurance is an insurance contract between a homeowner and an insurance agency, whereby the homeowner shifts the risk of certain events to the insurance provide for an annual premium. Events that are usually included are fire and flood, possessions inside the house (if inventoried), and liability protection. Additions that can be added for an extra fee, depending on where you live, are earthquake protection and mold protection. Typically, policies have a relatively low annual premium but also carry high deductibles and an exclusion of many common events from coverage.

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