Homeowner insurance cost depends on how much it would be to replace it. It make sure you can a ford the house if it gets damaged, the thing that are most likely to be standard home insurance policy includes, fire, wind, hail, lighting, and thefts.
Your homeowner insurance does cover you for that and when someone tries to put a lawsuit on you for liability for damage on property if you caused it, they would pay for you. They would pay for property damage or contents in the house. Surprisingly they par for medical payment that are cause because of the house or on the property.
They would also pay for someone injury at the house they would pay for it. For example ( you have your friend come over to the property and one falls and get badly injured in the property you would have to pay for his medical bills, that the homeowner insurance will pay for it. It will help pay for people on your property when they get hurt. Homeowner insurance pays for a lot of you bills. They help pay for your bills if need for example (what if you were to lost your job and you are look for a new one, when you need to pay for the house payment that you could pay because you need to eat) they would pay for mortgage once or twice if you were to need the help. Home owner insurance has raised sense like 1990 for the price of houses. The medical part also pays for your bills if you get hurt at someone else house so that your home owner insurance will pay for it or your friend’s house insurance will pay for your injury there. Home owner insurance pay over hundred thousand dollars for you.
If an item gets stolen by some on the home owner insurance will only pay for the cost of the value of the item not to replace it though insurance for the house will sometimes pay for stuff that was in fire or theft. For example (if you were to have a fire u did not because they would replace most of the item if they were replaceable. If it was something you caused they would not pay for the stuff) you can buy special coverage on very costly item that you would really want or need to have with you. But the item that can be cover only has a replaceable cost of one thousand dollar or more but the insurance company can say if it is worth in insurance it they don’t insure jewelry so you have to keep it up or in a safe that you have. You can get coverage for entire collection then getting it covered separately so that it would cost more.
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