my lawyer legal - Insurance Articles 121387

My Lawyer Legal

Home | About | Articles | Reports | Links | Site Map

Welcome to My Lawyer Legal!

Insurance Articles

•

•

•

•

Home
:: About Us
:: Contact Us
:: Article
:: Reports
:: Links
:: Site Map

Related Links

Fleet Courier Insurance

Jet Ski Insurance

Home Owners Insurance FAQ

By Ken Marlborough

A homeowner insurance policy is a packaged policy designed to cover homes against disaster and damages such as floods, earthquakes, fire, theft and vandalism. It also covers the owner of the policy, family members and, in some cases, pets.

Are all natural disasters covered under a homeowner insurance policy?

No, damages caused by earthquakes and floods are not covered under the standard homeowner insurance policy. You need to purchase separate policies to obtain coverage against these disasters.

What areas are covered by the homeowner insurance policies?

Homeowner insurance policies basically cover four major areas: structure of the house, personal belongings, liability protection and additional expenses.

Structure of home: The policy covers all damages caused to the building due to natural disasters such as fire, storm, lightening etc. The standard policy will however, not cover damages caused by earthquakes and floods.

Personal Belongings: The policy covers any damages caused to your personal belongings such as furniture, clothes, sports equipment, paintings, etc. Moreover, it covers off-premises belongings located in other parts of the world. This may include jewelry put away in a bank locker, etc.

Liability protection: This policy covers you or your family members against lawsuits that may result if you, your family members or pet is held responsible for accidentally causing bodily injury or property damage to another person.

Additional Expenses: These refer to the expenses you may incur if you are temporarily unable to stay in your house for some period of time due to some disaster such as fire.

How can I reduce the premiums for my homeowner insurance policy?

Your insurance agent can tell you about steps you can take to bring down the premiums of your policy. The best way is to make your home more resistant to disasters.

Home Owners Insurance provides detailed information about home owners insurance, home owners insurance faq, homeowner insurance companies, homeowner insurance policies and more. Home Owners Insurance is the sister site of First Residential Mortgage.

Article Source: http://EzineArticles.com/?expert=Ken_Marlborough

For more information about this article and/or the author visit http://www.e-HomeOwnersInsurance.com

For more information, news and articles see:

Loading Bay Equipment - Loading Bay Equipment
...Bay Equipment for our clients. With this equipment, you are able to load and unload all your merchandise with great ease and efficiency. We provide high quality equipment which is cost effective as we...
Visit Loading Bay Equipment...

Courier Insurance - Courier Insurance
...ourier Insurance is a must as some parcels being sent might be quite costly or important. Losing such document or parcels can mean huge losses for some people. Therefore,Courier Insurance has become a...
Visit Courier Insurance...

Gap Insurance - Gap Insurance
... familiar with car insurance but how many people know what gap insurance is? I know that I had never heard about this type of insurance before until it was brought to my attention recently. The gap ...
Visit Gap Insurance...

Payment Protection Insurance - Payment Protection Insurance
...ork environment and due to the global economic downturn, there is a real concern for many people regarding the security of their job with the threat of being made redundant ever increasing. The bigges...
Visit Payment Protection Insurance...

Marina Insurance - Marina Insurance
...e you may well have been given a number of different policy wordings from a variety of companies, this is a guide is to help you decide what sort of policy would suit you more and give you the exact c...
Visit Marina Insurance...

Hgv Courier Insurance - Hgv Courier Insurance
...rier Insuranceis a very different type of insurance that you would normally purchase for a delivery business. So there are now insurers who specialise specifically in more complex insurance policys, t...
Visit Hgv Courier Insurance...

Ppi Claims - Ppi Claims
...essured into taking out payment protection insurance on your loan. The representative from the bank seemed to bamboozle you with facts and figures and to be honest; you didn`t quite understand what w...
Visit Ppi Claims...

Dock Levellers - Dock Levellers
...can place your vehicles near for loading and unloading your various goods. Our levellers are extremely strong and durable, and are made to handle your vehicle with ease. You are given easy operational...
Visit Dock Levellers...

Car Gap Insurance - Car Gap Insurance
...ently. I suppose unless you buy a car on finance you might not know about such policies. As I understand it the car gap insurance covers you in the event of a car being stolen and never recovered or...
Visit Car Gap Insurance...

Jet Ski Insurance - Jet Ski Insurance
... Jet Ski Insurance have been with us for some time now in the UK and there are many makes and models that frequent numerous Jet Ski Insurance water centres. Taking to the wet stuff on your powerful j...
Visit Jet Ski Insurance...

Click For More Detailed Information on:

Home | About Us | Contact Us | Articles | Special Reports | Links | Site Map

Copyright � 2003-2010. All Rights Reserved.