Home Insurance Basics
By Hippo1 author39 articles
Q: What is a deductible?
Q: What is Evidence of Insurance and when do you need it?
Q: What is a peril and what qualifies as an insurable peril?
Q: What is dwelling insurance?
Q: What is an insurance limit?
Q: What is an umbrella insurance policy?
Q: What is an insurance score?
Q: What is a limit of liability and a special limit of liability?
Q: What is negligence?
Q: Are home insurance and homeowners insurance the same thing?
Q: What is the difference between an EOI and a declaration page?
Q: What’s the difference between replacement cost and actual cash value?
Q: Does homeowner’s insurance cover a loss resulting from an earthquake?
Q: Does my homeowner’s insurance policy cover a flood loss?
Q: What if my insurance application is denied or I didn’t get the best premium due to my prior losses?
Q: What does it mean to “schedule personal property” when it comes to homeowners insurance, and what are the benefits of scheduling personal property?
Q: What's the difference between real property and personal property?
Q: What is owner’s title insurance, and when would I need it?
Q: Who pays for the title insurance?
Q: Is homeowners insurance tax deductible?
Q: When should I actually buy homeowners insurance?
Q: Why is homeowners insurance important?
Q: How does homeowners insurance work?
Q: How long does it take to get home insurance?
Q: What factors can influence home insurance premiums?
Q: Do I need home insurance?
Q: When should I start shopping for homeowners insurance?
Q: Can my homeowners insurance be canceled because my house is empty/vacant?
Q: What are insurance exclusions, and where can I find exclusions in my homeowners policy?
Q: What is a declaration page, and what information can I typically find there?
Q: What is my date of issue, and how is it different from my effective date? Where can I find these for my policy?
Q: What are the different types of home insurance deductible options?
Q: What does it mean to be underinsured?
Q: Will homeowners insurance replace my house if it’s destroyed?
Q: Can I increase or reduce my coverage once I complete my purchase?
Q: Is homeowners insurance included in my mortgage payment?
Q: What’s typically not covered by home insurance?
Q: What’s typically included in home insurance?
Q: What is loss assessment coverage, and what does it cover exactly?