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Home insurance is a type of property insurance that covers a private residence. Home owners pay periodic payments called insurance premiums to an insurance company.
The company pays all or most of the costs to repair damage to the home, replace belongings in the home and other expenses that are a result of an insurable event.
These could be weather related, accidents or other unexpected events. The cost of insurance varies greatly and can be affected by type, age and location of the structure.
The following are common types of homeowners insurance, an overview of the coverage offered and what events are protected against. This is the most basic coverage type.
This policy only covers 11 perils and includes basic liability coverage. The perils covered by an HO1 policy are:. Along with the 11 perils covered under an HO1, an HO2 policy also covers:.
Referred to as the Special Form Policy, is the most commonly purchased single-family home policy. This policy includes liability and covers most forms of peril, with a list of exclusions such as Earthquake and Flood.
Property within the home is covered in an HO3, but only in regards to a list of specific perils, so the personal property coverage is somewhat limited.
The Comprehensive Form policy is considered one of the most comprehensive policies available. Like the HO3, is considered a complete protection plan with a list of exclusions.
The HO5 policy also covers property within the home against everything except the listed exclusions. A very basic policy, the HO8 only covers a home against the most basic perils.
It is usually used on older homes and insures at market value or actual cash value rather than replacement cost. This classification covers the value of the home itself.
Most policies have this coverage with the exception of HO4. This coverage includes other structures on the property such as a garage, as long as they are not used for business.
Coverage C is for personal property. Coverage C can be issued as a cash value or replacement cost policy. This covers additional living costs if the owner needs to move out while repairs are being done as well as recuperating lost rental income if the home is fully or partially rented out.
This is a catch-all category for other coverages such as fire department charges, damage to trees, debris removal, etc.
The cost of home insurance depends on the type and classification, the deductible as well as other details. The deductible is the amount of money that an insurance holder pays out of pocket before the insurance company kicks in with its payment on a claim.
An insurance policy with a low deductible will generally have lower premiums, while a higher deductible policy will have lower premiums.
Home Value — The single biggest factor guiding the insurance rates is the value of the home. This is the overall amount of risk that the insurance company takes on.
Size of the Home — Larger homes come with larger risks. In the event of a fire or other disaster, there is more possible damage in a large home.
Typically, larger homes have more value, as well. Type of Construction — How flammable is the home or how storm resistant? Materials like brick and stone typically are cheaper to insure than wood.
Age and Condition — Older homes typically come with more risks including older wiring, furnaces and lack of security features. After you leave home, you may find yourself feeling homesick, even if you have a new home that has nicer wallpaper and a more efficient dishwasher than the home in which you grew up.
He is happiest, be he king or peasant, who finds peace in his home. Johann Wolfgang von Goethe. There is nothing like staying at home for real comfort.
Home is a shelter from storms-all sorts of storms. Home is where the heart is. Home is where the heart can laugh without shyness.
Home, the spot of earth supremely blest, A dearer, sweeter spot than all the rest. Where we love is home, home that our feet may leave, but not our hearts.
The light is what guides you home, the warmth is what keeps you there. Bless our home as the children grow. Bless our families as they gather in.
Bless our home with love and friends. There is something oh so special about coming home. Everything looks the same, feels the same, even smells the same.
So may you untangle yourself from the twist of melancholy and ley your thoughts carry you back to the birthplace of your truth. Leaving home can be a hard or an exciting time for just about anyone.