房主保险

什么是房屋保险? 房屋保险, also commonly called hazard insurance or homeowner’s insurance (and often abbreviated in the US real estate industry as HO1), is a type of property insurance that covers a private residence.  It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one’s home, 它的内容, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory. Typical EA真人注册 Insurance Coverages Section I — Property Coverages 承保范围A -住宅 Covers the value of the dwelling itself (not including the land). 通常, a coinsurance clause states that as long as the dwelling is insured to 80% of actual value, losses will be adjusted at replacement cost, 不超过政策限制. This is in place to give a buffer against inflation. HO-4 (renter’s insurance) typically has no Coverage A, although it has additional coverages for improvements. Coverage B – Other Structures Covers other structure around the property that are not used for business, except as a private garage. 通常 limited at 10% to 20% of the Coverage A, with additional amounts available by endorsement. Coverage C – Personal Property Covers personal property, with limits for the theft and loss of particular classes of items (e.g., $200 for money, banknotes, bullion, coins, medals, etc.). 通常 50 to 70% of coverage A is required for contents, which means that consumers may pay for much more insurance than necessary. This has led to some calls for more choice.[14] Coverage D – Loss of Use/Additional Living Expenses Covers expenses associated with additional living expenses (i.e. rental expenses) and fair rental value, if part of the residence was rented, 然而 only the rental income for the actual rent of the space not services provided such as utilities. 额外的保险 Covers a variety of expenses such as debris removal, 合理的修理, damage to trees and shrubs for certain named perils (excluding the most common causes of damage, 风和冰), fire department changes, 删除属性, credit card / identity theft charges, 损失评估, 崩溃, 房东的家具, and some building additions. These vary depending upon the form. 除外责任 In an open perils policy, specific exclusions will be stated in this section. These generally include earth movement, 水的破坏, 电源故障, 忽视, 战争, 核风险, septic tank back-up expenses, 有意的损失, and concurrent causation (for HO3).[15] The concurrent causation exclusion excludes losses where both a covered and an excluded loss occur. 除了, the exclusion for building ordinance can mean that increased expenses due to local ordinances may not be covered.[16] A 2013 survey of Americans found that 41% believed mold was covered, although it is typically not covered if the 水的破坏 occurs over a period of time, such as through a leaky pipe.[17] 洪水 Flood damage is typically excluded under standard homeowners and renters insurance policies. 洪水覆盖, 然而, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from a few private insurers. [18] Section II — Liability Coverages Coverage E – Personal Liability Covers damages which the insured is legally liable for and provides a legal defense at the insurer’s own expense. About a third of the losses for this coverage are from dog bites.[19]

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