It seems like every aspect of your life has to be insured nowadays, including your home, health, property, pet, and even travel. However, various insurance policies can be quite overwhelming, particularly for first-time payers. Other than health and life insurance, home insurance is also crucial since most valuable items and property of an individual are commonly located inside it. According to the Insurance Information Institute (III), a homeowner’s insurance policy covers four essential types: the structure of your house, all of your personal belongings, additional living expenses (ALE) and liability protection. Most insurance policies exclude earthquake, flood, and depreciation because these are already part of another insurance application.
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