Home Insurance

Also known as “hazard insurance” this is more commonly known as “homeowner’s insurance”.  There are several risk factors involved.  Several hazards like theft, fire, flood, earthquakes and damage though several other means exist. There is no knowing when disaster might strike. 

Due to this reason, insurance companies agree to financially compensate individuals in the event of damage caused to their home. To avail of this facility, the individual has to pay a fixed sum monthly, quarterly, half-yearly or annually known as a premium.

Rules of Home Insurance

There are several rules which apply such as at least one of the insured persons should actually live in the home for which the home insurance has been bought. Usually the compensation is based on the cost of replacing the home, often along with some or all of the contents.

Home insurance is based on risk-analysis. The higher the risk, the higher the premiums that has to be paid. For example, if the home that is insured is situated near a fire station, the premiums with regard to fire will be lower.

One should check the local laws governing home insurance in their particular area.

 

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