Published at Wednesday, April 18th, 2018 - 12:08:42 PM. Home Insurance. By Durand.
Aside from the circumstances mentioned above, this type of home insurance policy will cover your house as well as the other valuable items inside it against 10 different types of peril as declared in the agreement. The thing with this type of policy though is that a lot of companies have already discontinued offering it because they found it to be redundant in many states. The second type of home insurance policy is the HO-2. This is actually a little more comprehensive than the first type of policy since it widened its coverage to as much as 16 different perils or causes of damage to your house as well as the fixtures and valuable items therein. For instance, this type of policy already covers the damages that are due to plumbing, heating, ice/sleet, power outages and AC. And if you happen to be situated in a freezing area, then this policy can be a good choice for you.
Consider the findings reported by independent insurance agent association, Trusted Choice, in a 2009 national survey: "53 million household respondents 'admitted they are probably not taking advantage of all homeowners insurance discounts or said that they simply did not know' about policyholder discounts they likely qualify for." The survey also found that the largest percentage of respondents, about 26%, estimated they save 6-10% on their insurance premiums by using discounts. In fact, many insurance consumers could be saving significantly more-as much as 30%, according to independent insurance agencies, which often shop on behalf of consumers and help them find discounts and compare rates.
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