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Know the Terms with Home Insurance Policies

If you read an insurance policy, you may find it very difficult to easily do. You need to take the time to learn as much about the definitions as you possibly can.

Home Insurance Terms and Definitions:

Actual Cash Value (ACV): The ACV is how much money you will need to repair your home. The insurance company will look at your home, the age and determine how much it will take to fix it.

Claim: When you have a disaster strike in 89164, NV, you will turn it into the insurance company and this is known as a claim.

Deductible: This the amount you agree to pay out of pocket.

Depreciation: This is the amount your home will age and will be taken into account.

Endorsement: A change added to the home insurance policy that can change how it was once set up.

Exclusion: This is when something is not covered under the policy.

Liability: A specific legal obligation

Loss of Use: This is what pays for your expenses when you can't use your home.

Medical Payments: Coverage that will pay for medical expenses falls under this category.

Named-Perils Policy : A type of policy that covers the loss of a peril.

Peril: The condition that causes the loss. It may be wind, fire or another type of damage that causes harm to your home.

Replacement Cost: The amount required to replace something on the home. This is a great thing to have because it will pay for the actual cost to replace your valuables, not just the amount to fix it.

It is great to learn as much as you can about your home insurance policy. The more you know about it the better off you will be.

89164, NV Homeowner Insurance

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89164, NV Home Insurance

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