{"id":2361,"date":"2021-02-20T06:30:29","date_gmt":"2021-02-20T06:30:29","guid":{"rendered":"http:\/\/box5665.temp.domains\/~ninanins\/?page_id=2361"},"modified":"2021-03-14T04:02:27","modified_gmt":"2021-03-14T04:02:27","slug":"home-owners-insurance-%e6%88%bf%e5%b1%8b%e4%bf%9d%e9%99%a9","status":"publish","type":"page","link":"https:\/\/9aninsurance.com\/zh\/home-owners-insurance-%e6%88%bf%e5%b1%8b%e4%bf%9d%e9%99%a9\/","title":{"rendered":"Home Owners Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2361\" class=\"elementor elementor-2361\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-761c3b1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"761c3b1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dcbabd2\" data-id=\"dcbabd2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6ad5bf8 elementor-widget elementor-widget-heading\" data-id=\"6ad5bf8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Home Owner Insurance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fc3663b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fc3663b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-b70fafc\" data-id=\"b70fafc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-470f40a elementor-widget elementor-widget-heading\" data-id=\"470f40a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is Home Owner Insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9158fdc elementor-widget elementor-widget-text-editor\" data-id=\"9158fdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Home insurance, also commonly called hazard insurance or homeowner&#8217;s insurance (and often abbreviated in the US real estate industry as HO1), is a type of property insurance that covers a private residence.\u00a0<br \/><br \/>It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one&#8217;s home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46c02b2 elementor-widget elementor-widget-heading\" data-id=\"46c02b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Typical Home Owner Insurance Coverages<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5834fd1 elementor-widget elementor-widget-text-editor\" data-id=\"5834fd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Section I \u2014 Property Coverages<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94cc6f1 elementor-widget elementor-widget-text-editor\" data-id=\"94cc6f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><span style=\"font-size: medium;\"><strong>Coverage A \u2013 Dwelling<br \/><\/strong><\/span>Covers the value of the dwelling itself (not including the land). Typically, a coinsurance clause states that as long as the dwelling is insured to 80% of actual value, losses will be adjusted at replacement cost, up to the policy limits. This is in place to give a buffer against inflation. HO-4 (renter&#8217;s insurance) typically has no Coverage A, although it has additional coverages for improvements.<\/li><li><strong><span style=\"font-size: medium;\">Coverage B \u2013 Other Structures<br \/><\/span><\/strong>Covers other structure around the property that are not used for business, except as a private garage. Typically limited at 10% to 20% of the Coverage A, with additional amounts available by endorsement.<\/li><li><span style=\"font-size: medium;\"><strong>Coverage C \u2013 Personal Property<br \/><\/strong><\/span>Covers personal property, with limits for the theft and loss of particular classes of items (e.g., $200 for money, banknotes, bullion, coins, medals, etc.). Typically 50 to 70% of coverage A is required for contents, which means that consumers may pay for much more insurance than necessary. This has led to some calls for more choice.[14]<\/li><li><span style=\"font-size: medium;\"><strong>Coverage D \u2013 Loss of Use\/Additional Living Expenses<br \/><\/strong><\/span>Covers expenses associated with additional living expenses (i.e. rental expenses) and fair rental value, if part of the residence was rented, however only the rental income for the actual rent of the space not services provided such as utilities.<\/li><li><strong><span style=\"font-size: medium;\">Additional Coverages<br \/><\/span><\/strong>Covers a variety of expenses such as debris removal, reasonable repairs, damage to trees and shrubs for certain named perils (excluding the most common causes of damage, wind and ice), fire department changes, removal of property, credit card \/ identity theft charges, loss assessment, collapse, landlord&#8217;s furnishing, and some building additions. These vary depending upon the form.<\/li><li><strong><span style=\"font-size: medium;\">Exclusions<br \/><\/span><\/strong>In an open perils policy, specific exclusions will be stated in this section. These generally include earth movement, water damage, power failure, neglect, war, nuclear hazard, septic tank back-up expenses, intentional loss, and concurrent causation (for HO3).[15] The concurrent causation exclusion excludes losses where both a covered and an excluded loss occur. In addition, the exclusion for building ordinance can mean that increased expenses due to local ordinances may not be covered.[16] A 2013 survey of Americans found that 41% believed mold was covered, although it is typically not covered if the water damage occurs over a period of time, such as through a leaky pipe.[17]<\/li><li><strong><span style=\"font-size: medium;\">Floods<br \/><\/span><\/strong>Flood damage is typically excluded under standard homeowners and renters insurance policies. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from a few private insurers. [18]<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f43c512 elementor-widget elementor-widget-text-editor\" data-id=\"f43c512\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong style=\"color: #525252; font-family: Georgia, Arial, sans-serif; font-size: large; font-style: normal;\">Section II \u2014 Liability Coverages<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ababc34 elementor-widget elementor-widget-text-editor\" data-id=\"ababc34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>Coverage<\/strong><strong style=\"color: #525252; font-family: Georgia, Arial, sans-serif; font-size: 18px; font-style: normal;\"> E \u2013 Personal Liability<br \/><\/strong><span style=\"color: #525252; font-family: Georgia, Arial, sans-serif; font-size: 1em; font-style: normal; font-weight: 400; line-height: 1.5;\">Covers damages which the insured is legally liable for and provides a legal defense at the insurer&#8217;s own expense. About a third of the losses for this coverage are from dog bites.[19]<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6acb5b4 elementor-widget elementor-widget-text-editor\" data-id=\"6acb5b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Contact us to learn more about the right homeowners insurance for you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-4817d20\" data-id=\"4817d20\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6659293 elementor-widget elementor-widget-image\" data-id=\"6659293\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"\/p-consulation\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"600\" height=\"395\" src=\"https:\/\/i0.wp.com\/9aninsurance.com\/wp-content\/uploads\/2021\/02\/home-insurance-small_orig.jpg?fit=600%2C395&amp;ssl=1\" class=\"attachment-large size-large wp-image-2436\" alt=\"\u4e2a\u4eba\u5bb6\u5ead\u4fdd\u9669\" srcset=\"https:\/\/i0.wp.com\/9aninsurance.com\/wp-content\/uploads\/2021\/02\/home-insurance-small_orig.jpg?w=600&amp;ssl=1 600w, https:\/\/i0.wp.com\/9aninsurance.com\/wp-content\/uploads\/2021\/02\/home-insurance-small_orig.jpg?resize=300%2C198&amp;ssl=1 300w, https:\/\/i0.wp.com\/9aninsurance.com\/wp-content\/uploads\/2021\/02\/home-insurance-small_orig.jpg?resize=16%2C12&amp;ssl=1 16w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Get a home insurance quote today<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Owner Insurance What is Home Owner Insurance? Home insurance, also commonly called hazard insurance or homeowner&#8217;s insurance (and often abbreviated in the US real estate industry as HO1), is a type of property insurance that covers a private residence.\u00a0 It is an insurance policy that combines various personal insurance protections, which can include losses [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"nf_dc_page":"","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-2361","page","type-page","status-publish","hentry"],"aioseo_notices":[],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/9aninsurance.com\/zh\/wp-json\/wp\/v2\/pages\/2361","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/9aninsurance.com\/zh\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/9aninsurance.com\/zh\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/9aninsurance.com\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/9aninsurance.com\/zh\/wp-json\/wp\/v2\/comments?post=2361"}],"version-history":[{"count":5,"href":"https:\/\/9aninsurance.com\/zh\/wp-json\/wp\/v2\/pages\/2361\/revisions"}],"predecessor-version":[{"id":3254,"href":"https:\/\/9aninsurance.com\/zh\/wp-json\/wp\/v2\/pages\/2361\/revisions\/3254"}],"wp:attachment":[{"href":"https:\/\/9aninsurance.com\/zh\/wp-json\/wp\/v2\/media?parent=2361"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}