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By Merritt Editors

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Additional resources for How to Insure Your Home: A Step by Step Guide to Buying the Coverage You Need at Prices You Can Afford

Sample text

Page 6 Throughout this book, when we cite policy language, we'll refer to the standard HO-3 or homeowners three policy. If you have another version, you can still use the discussion as it applies to the language that's commonwhich is most of the language. Coverage Sections and Conditions All homeowners policies are divided into two sections: Section One provides coverage for the insured person's dwelling, other structures on the grounds, personal property owned by family members, and certain types of loss of use, such as rental value or additional living expenses.

Most of the people who answered the survey were satisfied with the amount of their final settlements. Of those who felt that they received too little, almost half said that they learnedafter filing a claimthat they had less coverage than they'd thought. If You Have a Mortgage If you have a mortgage on your house, the finance company will usually be included on a homeowners policy as an insured party or co-payee. If an insured loss occursbut the company denies the claim because you haven't complied with some condition or requirementpayment would still be made to the mortgagee up to its insurable interest.

Personal property coverage is included on all forms. The coverage is usually an additional amount of insurance equal to 50 percent of the amount written for the dwelling. This coverage applies to personal property owned or used by any insured person while it is anywhere in the world. At the request of the named insured, personal property owned by others may be covered while it is on the residence premises. This limit may be increased or decreasedbut not below 40 percentby endorsement. On forms HO-4 and HO-6, the renters' policies, personal property coverage is the major form of property insurance.

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