{"id":1267,"date":"2015-06-18T18:16:25","date_gmt":"2015-06-18T18:16:25","guid":{"rendered":"https:\/\/www.movoto.com\/foundation\/?p=1267"},"modified":"2015-06-18T18:16:25","modified_gmt":"2015-06-18T18:16:25","slug":"home-insurance-everything-you-need-to-know","status":"publish","type":"post","link":"https:\/\/www.movoto.com\/blog\/home-insurance-everything-you-need-to-know\/","title":{"rendered":"Home Insurance: Everything You Need To Know"},"content":{"rendered":"<p>If you\u2019re thinking about buying a home for the first time, you\u2019ve probably started looking at home insurance. Go into your search for homeowners insurance with this essential knowledge before making your decision and signing your name on the line.<\/p>\n<p>A good home insurance plan is something that every homeowner needs. Putting in the time and effort to learn more about how you can get the best coverage for the lowest cost can be hugely beneficial in the event that damages occur. Make sure you know your plan inside and out to avoid a much more stressful experience in the future.<\/p>\n<p><b>What Does Home Insurance Protect You From?<\/b><\/p>\n<p>Not all homeowners insurance policies are the same. Knowing what is and isn\u2019t typically covered will help you compare and evaluate various plans.<\/p>\n<p><img decoding=\"async\" style=\"width: 600px;\" src=\"http:\/\/s3.amazonaws.com\/citybuzz\/2015\/06\/home-insurance\/insurance-1.jpg\" alt=\"Firemen put out a house fire\" \/><\/p>\n<div class=\"source\">Source: Flickr User Anthony Quintano<\/div>\n<ul>\n<ul>\n<li><b>Storm Damage<\/b><\/li>\n<\/ul>\n<\/ul>\n<p>Things like lightning, windstorm, and hail damage are protected by most home insurance plans.<\/p>\n<ul>\n<ul>\n<li><b>Vandalism<\/b><\/li>\n<\/ul>\n<\/ul>\n<p>If you\u2019re a homeowner in a community with high crime rates, damage from riots and \u201cmalicious mischief\u201d are often covered under vandalism.<\/p>\n<ul>\n<ul>\n<li><b>Fire Damage<\/b><\/li>\n<\/ul>\n<\/ul>\n<p>Note that in these claims, insurance companies will probably want to investigate. There are also some circumstances that are often not covered, like fire damage resulting from an earthquake.<\/p>\n<ul>\n<ul>\n<li><b>Theft<\/b><\/li>\n<\/ul>\n<\/ul>\n<p>In addition to covering loss and damage from a break-in, home insurance with \u201coff-premise protection\u201d also cover personal items that have been stolen outside the home. Often, you will receive the retail price you originally paid, called \u201creplacement cost coverage,\u201d and can even replace items for newer versions at the same price point.<\/p>\n<ul>\n<ul>\n<li><b>Freeze Damage<\/b><\/li>\n<\/ul>\n<\/ul>\n<p>If a winter storm hits and it damages your home, causing pipes to burst, for example, there\u2019s a good chance it\u2019s covered in your plan.<\/p>\n<ul>\n<ul>\n<li><b>Personal Liability<\/b><\/li>\n<\/ul>\n<\/ul>\n<p>Personal liability protection is one of the most important facets of many home insurance plans. Basically, it covers you financially if you or someone else injures themselves while they\u2019re on your property. Whether it\u2019s one of your children\u2019s friends breaking an ankle on the diving board or a burglar cutting his hand on a window that he broke, you never want to leave yourself open to an expensive lawsuit.<\/p>\n<ul>\n<ul>\n<li><b>Living Expenses During Repairs<\/b><\/li>\n<\/ul>\n<\/ul>\n<p>One feature that premium plans often include will be coverage of expenses like a hotel stay if your home is unlivable during repairs.<\/p>\n<p><b>What Won\u2019t It Protect?<\/b><\/p>\n<p>There are some things that home insurance plans cover, such as the off-premise theft, that may be a good surprise to people looking to purchase. However, there are many situations and events that you may think would be covered by most plans that actually are not.<\/p>\n<p><img decoding=\"async\" style=\"width: 600px;\" src=\"http:\/\/s3.amazonaws.com\/citybuzz\/2015\/06\/home-insurance\/insurance-2.jpg\" alt=\"A couple canoes down a flooded city street\" \/><\/p>\n<div class=\"source\">Source: Flickr User U.S. Geological Survey<\/div>\n<ul>\n<li><b>Flood Damage<\/b><\/li>\n<\/ul>\n<p>Water damage is tricky. If it\u2019s water that coming from above, it\u2019s usually covered. Examples might include rainwater or burst pipes. However, if it\u2019s water coming from below, often through flooding or the sewers, it\u2019s probably not covered. Keep this in mind when you\u2019re considering the purchase of a home in a flood prone area.<\/p>\n<ul>\n<li><b>Earthquake Damage<\/b><\/li>\n<\/ul>\n<p>Even though 90 percent of the American population lives in an earthquake-vulnerable area, this is one natural disaster that home insurance plans tend to skip.<\/p>\n<ul>\n<li><b>Neglect<\/b><\/li>\n<\/ul>\n<p>Home insurance plans won\u2019t cover your home if it falls apart due to neglect. If you don\u2019t perform reasonable maintenance on things like your roof, don\u2019t expect your insurance company to do so either.<\/p>\n<ul>\n<li><b>Mass Power Failure<\/b><\/li>\n<\/ul>\n<p>Any damage resulting from mass power failure around town is not generally covered. While typically this won\u2019t cause many long-term problems for the average homeowner, it can in special circumstances. If you\u2019re worried about it, a back-up generator is a smart investment.<\/p>\n<ul>\n<li><b>Intentional Loss<\/b><\/li>\n<\/ul>\n<p>This should be obvious, but insurance policies will not cover expenses if you\u2019ve damaged your home or property intentionally.<\/p>\n<ul>\n<li><b>War Damage<\/b><\/li>\n<\/ul>\n<p>While this hasn\u2019t been much of a problem in the modern era of America, it\u2019s still one thing that most plans will not include. In the event of a wartime disaster, such as a bombing, property isn\u2019t protected.<\/p>\n<ul>\n<li><b>Changes In Building Codes<\/b><\/li>\n<\/ul>\n<p>Sometimes local codes will change and you\u2019ll have to remodel or repair your house accordingly to keep it legal. For example, the city might say you need a safer or more efficient type of wiring. In instances like this, home insurance will leave you on your own.<\/p>\n<p><b>How To Get And Keep A Low Home Insurance Rate<\/b><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><b>Keep your home secure.<\/b> Things like deadbolts and alarm systems tend to lower your risk of falling victim to theft, and lower your insurance rate in the process.<\/li>\n<li><b>Keep your home structurally safe.<\/b> Don\u2019t let your home fall into decay. If things become hazardous, your insurance is likely to shoot way up. Results can be similar if risky features like hot tubs, trampolines, and pools are present on the property, simply due to increased liability. If you\u2019re dead set on having something that can be dangerous in your backyard, a sturdy fence is usually a good way to have the best of both worlds.<\/li>\n<li><b>Try to bundle.<\/b> If your insurance company offers other types of insurance, consider trying to consolidate. A lot of the time, an insurance company will offer special deals when you use more than one of their products.<\/li>\n<li><b>Raise the deductible.<\/b> If chances are low you\u2019ll need to use your policy for minor instances, one smart way to lower your annual home insurance costs is by increasing your deductible. While this means you\u2019ll have to pay more if something does occur, if you\u2019re feeling lucky, it means you\u2019ll be paying less in the meantime.<\/li>\n<li><b>Keep a good credit score.<\/b> If you have a solid credit history, you\u2019ll probably get a bit of a break from insurance companies. In order to keep your credit score favorable, try to keep your credit balances low and never miss bills and other payments.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>Other Tips And Tricks<\/b><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><b>Don\u2019t wait.<\/b> If you notice damage, file a claim immediately. Not only will this get the process rolling, it will also help you avoid missing the window in which insurance companies allow you to report an incident.<\/li>\n<li><b>Take an inventory.<\/b> If you expect your personal belongings to be covered during theft, make sure you know exactly what you\u2019ve got. Take pictures of expensive items and make lists. This can help you avoid headaches if something happens down the road.<\/li>\n<li><b>Keep your receipts.<\/b> Know exactly how much you paid for big ticket items. This can help ensure that you get the most amount of money possible back whenever you have to report it stolen or damaged.<\/li>\n<li><b>Shop around.<\/b> This can be time consuming, but it can save you a ton of money in the long run. By doing thorough research both online and offline with regards to what insurance company has the best plan for you, you\u2019ll have a better chance at finding better coverage for a lower price.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>Like This Post? You\u2019ll Definitely Love These:<\/b><\/p>\n<ul>\n<li><a href=\"https:\/\/www.movoto.com\/foundation\/basics\/buying-fixer-upper-home-right\/\" target=\"_blank\" rel=\"noopener\">Is Buying A Fixer Upper Home Right For You?<\/a><\/li>\n<li><a href=\"https:\/\/www.movoto.com\/foundation\/finance\/things-know-home-improvement-loans\/\" target=\"_blank\" rel=\"noopener\">Things To Know About Home Improvement Loans<\/a><\/li>\n<li><a href=\"https:\/\/www.movoto.com\/foundation\/finance\/choose-the-right-mortgage-lender\/\">How To Choose The Right Mortgage Lender<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re thinking about buying a home for the first time, you\u2019ve probably started looking at home insurance. Go into your search for homeowners insurance with this essential knowledge before making your decision and signing your name on the line. A good home insurance plan is something that every homeowner needs. Putting in the time and effort to learn more about how you can get the best coverage for the lowest cost can be hugely beneficial in the event that damages occur. Make sure you know your plan inside and out to avoid a much more stressful experience in the [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1268,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[167],"tags":[],"class_list":["post-1267","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-basics","post--single"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Home Insurance: Everything You Need To Know<\/title>\n<meta name=\"description\" content=\"Home insurance basics and tips you need to know before buying.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.movoto.com\/blog\/home-insurance-everything-you-need-to-know\/\" \/>\n<meta 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