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Home Insurance Lexington: For All Your Home Insurance Needs
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Home insurance is property insurance that covers potential losses and damages to a home, as well as belongings and assets in the home. In addition, home insurance also offers liability coverage that covers accidents on the property or in the home. Talk with a representative at Home insurance Lexington, soon.
There are several types of home insurance policies. For example, there is the HO-1 policy. This policy is limited in that it covers only 10 perils. In addition, it doesn’t include personal liability for anyone who is injured on your property. Also, the items in your home are not automatically covered.
The HO-2 policy covers all 16 perils. It is a basic policy that has lower premiums and lower levels of coverage. Keep in mind; with this policy any damage that is caused by events that are not listed on the policy will not be covered. Home insurance Lexington has a policy that will meet your needs.
The HO-3 policy is popular with many homeowners. It covers all disasters but excludes some disasters. What this means for the homeowner is that you will be protected and covered by all disasters unless the policy states that certain perils are excluded. For auto insurance, check out auto insurance Lexington.
The HO-4 policy is a renter’s insurance policy. It covers a person’s belongings against all 16 perils. However, it only covers your personal items. The landlord is responsible for insuring the building. The HO-5 is a more inclusive version of the HO-3 policy. This policy is usually for those who own a new and well-maintained home. This policy will protect you against all perils unless the policy excludes those perils in writing.
The HO-6 policy is a condominium or co-op insurance policy. It protects against all 16 perils. The HO-7 policy covers mobile or manufactured homes. Lastly, the HO-8 policy is a policy for older homes. This coverage is drawn up with special adjustments that meet the needs of older homes.
There are many advantages of purchasing a home insurance policy; however, the most prized and needed advantage is peace of mind. Financial loss can be great after a disaster. In addition, home insurance policies can help you rebuild after a disaster and give you the help you need to replace lost personal property. Most importantly, a home insurance policy gives you, the homeowner, the ability to include unique things beyond normal coverage, such as a provision for freezing and thawing pipes.
To conclude, home insurance is property insurance that covers potential losses and damages to a home, as well as belongings and assets in the home. Talk with an agent at Auto insurance Lexington, today and find out more.
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