College Station temporary health insurance quote

 

 

College Station temporary health insurance quote

 NOTE: few of us own our homes outright. Most carry mortgages or deeds of trust against the property. In such cases, the mortgage contract compels you to name the mortgagor or holder of the trust deed as a named insured. If a loss occurs, the insurance company will usually make out settlement checks in both names.

Perils covered against. The homeowner’s College Station temporary health insurance quote policy does not protect your home against all forms of damage or destruction. Therefore, knowing what is and is not covered is one of the primary responsibilities of the consumer.

All of the differing forms of coverage protect against the following perils to hearth and home.

The HO 1 and HO 8 policies stop there. (This restricted breadth of coverage is one reason why HO 1 policies are being phased out in many states.) HO 2 and HO 3 add some significant other protections against the following potential causes of property damage, at a cost of about a 15 percent additional College Station temporary health insurance quote premium.

  • Falling objects. (This protection is not as weird as it may sound. Have you noticed that jets are beginning to lose pieces of their structure in flight?)
  • The weight of snow, sleet, or ice.
  • Water damage caused by household appliances. This includes appliances such as a broken sprinkler system.
  • Other forms of damage resulting from defects to heating systems, air conditioning, or other such items.
  • Freezing of water systems, air conditioners, plumbing, or other such items.
  • Damage caused by electrical malfunctions.

HO 3 adds an important general protection coverage of insuring against all perils except those specifically excluded (see “Exclusions,” below). The important thing to remember is that no policy covers all sources of damage; and some, such as HO 1 and HO 8 policies, are rather restricted in what they cover.

Exclusions. When it comes to your College Station temporary health insurance quote homeowner’s policy, understanding the exclusions is vital if you are to accurately assess the risks you choose to insure against and those you will take on yourself. The following are excluded from protection under all policies unless you purchase an endorsement (if available):

  • Loss caused by collapse of the structure. If a sinkhole opens under your house or it collapses under its own weight due to faulty construction, your company will not pay for damages.

Freezing, when the dwelling is vacant. If the property is vacant, damage caused by freezing will not be protected. The purpose of this College Station temporary health insurance quote exclusion is to ensure that property owners heat and otherwise properly care for any vacant dwellings they own.

Vandalism or malicious mischief cause after a dwelling has been vacant for more than 30 days. Thus, if you intend to vacate your dwelling, be sure to hire a caretaker or otherwise take measures to provide security since you will not be able to count on your own College Station temporary health insurance quote insurance policy to pay for any damage vandals may cause to your property.

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