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Unlike driving a car, you can legally own a home without homeowners insurance. But, if you have bought your home and financed the purchase with a mortgage, your lender will most likely require you to get homeowners insurance coverage. That’s because lenders need to protect...
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Yes, renters insurance is available and in most cases, the premium is relatively inexpensive. This is because, unlike a homeowners policy, renters insurance covers only the value of your belongings, not the physical building. While your landlord may be sympathetic to the...
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Would you be able to remember all the possessions you’ve accumulated over the years if they were destroyed by a fire? Having an up-to-date home inventory will help you get your insurance claim settled faster, verify losses for your income tax return and help you purchase the...
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There is a big difference between cancellation and non-renewal. Insurance companies cannot cancel a policy that has been in force for more than 60 days except:
if you fail to pay the premium.
if you have committed fraud or made serious misrepresentations on your...
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You need enough insurance to cover the following:
The structure of your home.
Your personal possessions.
The cost of additional living expenses if your home is damaged and you have to live elsewhere during repairs.
Your liability to others.
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There are many factors an insurance company uses to determine the price of your policy:
The square footage of the house and any additional structures.
Building costs in your area.
Your home's construction, materials and features.
Amount of cri
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