Coverage: Refers to what is included in the insurance policy, such as dwelling, personal property, and liability. Premium: The amount you pay for the insurance policy, typically on a monthly or annual basis. Deductible: The amount you pay out-of-pocket before the insurance coverage kicks in. Liability: Coverage that protects you if someone is injured on your property or if you cause damage to someone else’s property. Exclusions: Specific situations or items that are not covered by the insurance policy. Endorsements/Riders: Additional coverage options that can be added to a standard policy for specific items or situations. Replacement Cost: The amount it would cost to replace your home or belongings without deducting for depreciation. Actual Cash Value: The value of your home or belongings after accounting for depreciation. Claims Process: The procedure for filing a claim to receive compensation for a covered loss. Policy Limits: The maximum amount the insurance company will pay for a covered loss. So pick one of our partners with no strings attached.
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