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Q. What coverage is provided in a homeowner's insurance policy?

Homeowner's insurance is a package policy that combines more than one type of insurance coverage in a single policy. There are four types of coverages that are contained in the homeowner's policy: dwelling and personal property, personal liability, medical payments, and additional living expenses. Property coverage pays for damage to your home, garage and other structures as well as damage to or loss of your personal property.

Personal liability coverage provides coverage for your liability for nonauto accidents on or off your property if the injury or damage is caused by you, a member of your family, or your pet. Medical payments coverage pays for reasonable medical expenses if someone outside your family is injured at your home regardless of fault. If it is necessary for you to move into a motel or apartment temporarily because of damage caused by a peril covered by your policy, your insurance company will pay for reasonable and necessary additional living expenses.

Q. Do I have to buy homeowner's insurance?

Most states law doesn't require homeowner's insurance, but if your home is mortgaged, most financial institutions require insurance for at least the outstanding balance of the loan. If your lender requires coverage, you may choose your own insurance company; you aren't required to purchase coverage from the insurance company the lender recommends.

Q. What affects the cost of homeowner's insurance?

The cost of homeowner's insurance depends on the type of construction, the location, and the amount of insurance. A brick building, for example, is more fire-resistant than a frame building and sometimes it costs more to insure a frame building. Many insurers also charge less to insure a newer home than an older one because newer homes are less likely to sustain damages in storms and fires. Some areas have greater crime and vandalism problems than others.

The building's location affects the cost of coverage because some communities have better fire protection than others. Insurance companies divide the state into rating territories. Each city and locality in Most states is given a fire protection classification ranging from 1 to 10, depending on the amount of fire protection in the area. These rating classes depend on such factors as water pressure, access to fire department, and the training and skills of firefighters. Most of the larger cities in Most states are in classes 1-4, the lowest rating classes. Small towns and rural areas have higher fire protection classes and generally higher prices.

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What kind of policy do you need? How much coverage should you buy? What affects the cost of my policy? These questions and many more are ones we can help you get answers to. Visit our home insurance frequently asked questions (FAQ) page for the latest information. 

FastCustomQuotes  partners with InsureMe, the most experienced online insurance shopping service, to help you find the affordable homeowner’s insurance you need. Together we connect you with knowledgeable insurers, who can answer your questions, listen to your concerns, and provide you the most competitive home insurance quotes in the industry.  

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