Homeowners Insurance: Everything You Need To Know Before You Buy

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Buying a home is a big deal and a significant investment. For most of us, our house is our biggest expense. But, more importantly, our house is our home.

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Our homes are essential pieces of our lives, and if something were to happen to them, it would need to get fixed. This is where homeowners insurance comes in.

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Homeowners insurance is an insurance policy that covers losses and damages to your home and assets in the house.

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There are different types of insurance coverages in the US, and depending on which one you choose, it will change the amount you might receive from a claim.

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With actual cash value coverage, you’d be covered for the cost of your home and belonging after accounting for depreciation.

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Replacement value policies are the same as actual cash value except it does not take depreciation into account.

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This type of coverage will allow you to receive the total cost of repairing or rebuilding your home, even if it’s more than your policy limit.

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Homeowners Insurance: Everything You Need To Know Before You Buy

Buying a home is a big deal and a significant investment. For most of us, our house is our biggest expense. But, more importantly, our house is our home.

Our homes are essential pieces of our lives, and if something were to happen to them, it would need to get fixed. This is where homeowners insurance comes in.

Homeowners insurance is an insurance policy that covers losses and damages to your home and assets in the house.

What Is Homeowners Insurance?

What Is Homeowners Insurance?

There are different types of insurance coverages in the US, and depending on which one you choose, it will change the amount you might receive from a claim.

Three Types Of Homeowners Insurance

Three Types Of Homeowners Insurance

With actual cash value coverage, you’d be covered for the cost of your home and belonging after accounting for depreciation.

1. Actual Cash Value

1. Actual Cash Value

Replacement value policies are the same as actual cash value except it does not take depreciation into account.

2. Replacement Cost

2. Replacement Cost

This type of coverage will allow you to receive the total cost of repairing or rebuilding your home, even if it’s more than your policy limit.

3. Guaranteed (Or Extended) Replacement Cost/Value

3. Guaranteed (Or Extended) Replacement Cost/Value

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Homeowners Insurance: Everything You Need To Know Before You Buy

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