了解业主保险
Purchasing homeowners insurance is not only critical for protecting your home, your personal property and against any potential liability, 但如果你有抵押贷款, 你的贷款人会要求的.
什么是覆盖
A homeowners insurance policy is a package of coverages, including:
- 居住: Covers damages to your house and any attached structures, 包括固定装置，如管道, 电气和暖通空调系统.
- 其他结构: Pays for damage to unattached structures, including a detached garage, tool shed, fence, etc.
- 个人财产: Covers personal possessions such as appliances, furniture, electronics, clothes, etc.
- 失去使用: Reimburses for additional living expenses while you are unable to live in your home.
- 个人责任: Pays claims if you are found liable for injuries or damages to another party.
- 医疗支付: Pays the medical bills incurred by people who are hurt on your property or by your pets.
Remember, these coverages pertain only to losses caused by a peril covered by your policy. For instance, if your policy doesn’t cover earthquake damage, then losses will not be reimbursed.
业主保单的种类
The types of covered perils will depend on the type of policy you buy.
The Special Form is the most popular policy since it insures against all perils, except those specifically named in the policy. Common exclusions include earthquake and floods. 通常, flood insurance is obtained through the National Flood 保险 Program, while earthquake coverage may be obtained through an endorsement or a separate policy.
保险范围
Your policy will impose limits on the amount of covered losses.
If you have a valuable art collection or jewelry, you may want to secure additional insurance on those items.
Be aware of whether your policy insures for replacement cost (pays the cost to rebuild your home or repair damages using materials of similar kind and quality) or actual cash value (home value based on age and wear and tear), 这还不能弥补你所有的损失.
Coordinating Umbrella Liability Coverage
Individuals with significant assets may want to consider attaching an umbrella policy to their homeowners policy, which provides liability coverage in excess of the liability limits of your current policy.
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