[vc_row full_width=”stretch_row_content_no_spaces”][vc_column][vc_custom_heading text=”We Are Dedicated to Helping Americans Find Affordable Home Insurance” font_container=”tag:h2|font_size:35|text_align:center|color:%231e73be” google_fonts=”font_family:Open%20Sans%3A300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C800%2C800italic|font_style:800%20bold%20regular%3A800%3Anormal”][vc_empty_space height=”15px”][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” css=”.vc_custom_1553492564559{background-color: #005393 !important;}”][vc_column][vc_empty_space height=”15px”][vc_column_text]<\/p>\n
Your most important purchase should be protected. Obtaining an affordable policy that meets your unique home is essential to covering one of your biggest assets. We help narrow your search to connect you with the right insurance provider. Our goal is to get you the best price with the best coverage across the United States.<\/span><\/p>\n [\/vc_column_text][vc_empty_space height=”15px”][\/vc_column][\/vc_row][vc_row full_width=”stretch_row”][vc_column][vc_column_text]Your most important purchase should be protected. Obtaining an affordable policy that meets your unique home is essential to covering one of your biggest assets. We help narrow your search to connect you with the right insurance provider. Our goal is to get you the best price with the best coverage across the United States.<\/p>\n Why Do We Need Homeowners Insurance?<\/strong><\/em><\/p>\n People take out homeowners insurance for the same reason they take out car and health insurance: If a home is damaged or someone else is injured on the property, insurance helps owners cope with the financial consequences. Your home is likely your largest financial investment. It is subject to natural disasters, burglary, vandalism, and liability from injuries suffered on the property. In order to insulate your home from such financial risk, you will most likely want to buy the proper level of homeowners insurance.<\/p>\n When you look at a home insurance\u00a0declaration page, which is usually the first page in a homeowners insurance policy, you see Part I: Property Protection. This protection is usually broken down into four additional sections:<\/p>\n A. Dwelling Coverage B.\u00a0<\/strong><\/em>Other Structures\u00a0typically covers detached structures such as garages, storage sheds, and fixtures attached to the land including fences, driveways, sidewalks, patios, and retaining walls. Detached structures used for business purposes are not covered under a personal homeowners insurance policy.<\/span><\/p>\n Coverage C.<\/strong><\/em> Personal Property typically covers\u00a0personal property\u00a0including the contents of your home and\u00a0other personal items\u00a0owned by you or family members who live with you.<\/span> Coverage D.<\/strong> <\/em>Loss of Use typically covers living expenses over and above your normal living expenses if you cannot live in your home while repairs are being made or if you are denied access by government order. Additional living expenses are an important coverage and you can learn more about how they work in this article: How to Get (and Why You Need) Additional Living Expenses Coverage<\/span><\/p>\n There are also\u00a0Additional Property Coverages\u00a0homeowners insurance policies may provide such as the removal of debris along with damaged trees and shrubs, fire-department service charges, property removal, theft or illegal use of credit or\u00a0transfer cards, collapse of buildings, and glass breakage if caused\u00a0by a covered perils.<\/span><\/p>\n Endorsements can also be added to your homeowner insurance policy at an additional cost to provide extra protection.<\/span>[\/vc_column_text][vc_empty_space height=”15px”][\/vc_column][\/vc_row][vc_row full_width=”stretch_row”][vc_column][vc_column_text]Does Homeowner Insurance Cover Flooding?<\/strong> How Much Does Flood Insurance Cost?<\/strong> What is Flood Insurance<\/strong> Who Needs Flood Insurance?<\/strong> <\/p>\n [\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":" [vc_row full_width=”stretch_row_content_no_spaces”][vc_column][vc_custom_heading text=”We Are Dedicated to Helping Americans Find Affordable Home Insurance” font_container=”tag:h2|font_size:35|text_align:center|color:%231e73be” google_fonts=”font_family:Open%20Sans%3A300%2C300italic%2Cregular%2Citalic%2C600%2C600italic%2C700%2C700italic%2C800%2C800italic|font_style:800%20bold%20regular%3A800%3Anormal”][vc_empty_space height=”15px”][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” css=”.vc_custom_1553492564559{background-color: #005393 !important;}”][vc_column][vc_empty_space height=”15px”][vc_column_text] Your most important purchase should be protected. Obtaining an affordable policy that meets your unique home is essential to covering one of your biggest assets. We help narrow your search to connect you with the<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/jayins.com\/index.php?rest_route=\/wp\/v2\/pages\/3308"}],"collection":[{"href":"https:\/\/jayins.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/jayins.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/jayins.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jayins.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3308"}],"version-history":[{"count":4,"href":"https:\/\/jayins.com\/index.php?rest_route=\/wp\/v2\/pages\/3308\/revisions"}],"predecessor-version":[{"id":3317,"href":"https:\/\/jayins.com\/index.php?rest_route=\/wp\/v2\/pages\/3308\/revisions\/3317"}],"wp:attachment":[{"href":"https:\/\/jayins.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3308"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nB. Other Structures
\nC. Personal Property
\nD. Loss of Use
\nHomeowner Coverages for Property[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” css=”.vc_custom_1553492564559{background-color: #005393 !important;}”][vc_column][vc_empty_space height=”15px”][vc_column_text]Coverage A.<\/strong><\/em> typically covers your house, attached structures, fixtures in the house such as built-in appliances, plumbing, heating, permanently installed air conditioning systems, and electrical wiring. Many people underinsure their dwelling because they dont understand how to determine the right value for the dwelling amount. The dwelling insured value should cover reconstruction cost and not real estate value.<\/span><\/p>\n
\nThis protection can be based on\u00a0actual cash value (ACV) or replacement cost.<\/span>
\nHome insurance policies may provide\u00a0limited coverage\u00a0on certain items, for example, small boats, however, most home insurance policies do not cover motorized vehicles unless they are unlicensed and used only at your home. Some items may have\u00a0coverage limits\u00a0such as firearms, artwork, business property, electronic data, jewelry, and money.\u00a0Extra coverage\u00a0is usually available\u00a0by adding endorsements\u00a0to your policy.<\/span><\/p>\n
\nA standard\u00a0homeowners insurance\u00a0policy does not cover flooding. You will need a separate flood insurance policy. Your premiums will be much lower if the home has never had a flood claim.<\/p>\n
\nThe question really is how much does it cost\u00a0not\u00a0to have flood insurance. One inch of water can do considerable damage and run into tens of thousands of dollars to fix.<\/p>\n
\nFlood insurance is a type of\u00a0property insurance\u00a0that covers\u00a0a dwelling for losses sustained by water damage, as it specifically relates to flooding. A separate coverage\u00a0rider\u00a0is needed to cover sewer backup, if the backup was not caused by the rising floodwaters.<\/p>\n
\nSince floods can happen to anybody just about anywhere, you probably should consider taking out a\u00a0flood insurance policy. Its not expensive. If you live in a high-risk flood area and buy a home with a loan backed by a federally insured\u00a0mortgage, your lender will require that you buy flood insurance.<\/p>\n