Homeowner's Insurance

• Types of Homeowners' Insurance Policies - Summarizes the basic coverage of different types of homeowner's insurance policies — including insurance for renters and owners of condominiums and cooperatives — and how they differ.
• Homeowners Insurance - An overview of the typical homeowners insurance policy, listing the major coverages and exclusions.
  • Section 1 — Property Coverage
    • Declarations
    • Insuring Agreement
    • Definitions
    • Coverage A: Dwelling
    • Coverage B: Other Structures
    • Coverage C: Personal Property
      • Scheduled Personal Property Endorsement
    • Coverage D: Loss of Use
    • Section 1 Additional Coverage
    • Perils Insured Against
      • Dwelling and Other Structures
      • Personal Property
    • Section 1 Exclusions
    • Section 1 Conditions
      • Duties After a Loss
      • Loss Settlement
      • Appraisal Clause
      • Mortgage Clause
      • Other Provisions
  • Section 2 — Liability Coverage
    • Coverage E: Personal Liability
    • Coverage F: Medical Payments to Others
    • Section 2 Exclusions
    • Section 2 Additional Coverage
      • Claim Expenses
      • Damage to Property of Others
      • Other Expenses
  • Sections 1 and 2 Conditions
• Common Homeowners Insurance Policy Endorsements
  • Inflation Guard Endorsement
  • Scheduled Personal Property Endorsement
  • Personal Property Replacement Cost Endorsement
  • Personal Injury Endorsement
  • Home Business Endorsement
  • Earthquake Endorsement
• The Cost Of Homeowners Insurance And How To Lower It - What factors influence the cost of homeowners insurance and how can you reduce premiums?
  • Factors Affecting the Chance of a Loss
  • Factors Affecting the Amount of the Payout
  • Shopping for Homeowners Insurance
  • The Economics of Homeowners Insurance
• Real Estate Title Insurance - An introduction to real estate title insurance and other alternatives, including tips on how to save money when buying title insurance.
  • Title Insurance Characteristics
  • Coverage and Types of Policies
  • The Torrens System