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homeowner insurance protects the homeowner from financial losses against theft, storms, fires, floods and all other causes in your policy. Read it carefully to understand your coverages. Reading is not enough, you should also know about your rights . All states have the tenant and consumer "Bill of Rights" that you, if you have a claim against the insurance company at home. Your home insurance should you "Bill of Rights" with the policy.

Do not wait until you have a right to review your policy and know your rights.

Here are some reasons why you should homeowners insurance.

It is recommended that a homeowner insurance, focusing on five or six coverages rather than specific policy for specific coverage. Buy a separate policy will cost much.

Five homeowner policy coverages.

Housing Cover: This cover the homeowner will pay in the event of damage to your outstanding buildings such as garages or sheds and your home.

Personal property coverage: It pays if your household such as furniture, televisions, clothes frozen or stolen, damaged or destroyed.

Liability coverage: It protects you in case you are for someone else to hurt or damage. In such cases, homeowners insurance is for you shortly with a minimum of 20,000 U.S. dollars to maintain. The policyholder may grant an additional premium of $ 1 million.

Medical care payments: It pays all medical bills, if someone was injured, also in the areas of your property. Medical care for certain injuries, such as your dog biting someone in your house. You can create a basic supply of $ 500. This can take up to $ 5000 by paying additional fees.

Loss of use - If your house is damaged due to any reason, and you have no where to live in this condition of your living expenses are covered by the homeowners policy.

So you can enjoy your home and your life more secure homeowners insurance.

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