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Insurance law: An overview


HOMEOWNERS BASICS

  What is homeowners insurance? 
What is in a standard homeowners insurance policy? 
Are there different types of policies? 
What type of insurance do I need for a co-op or condo? 
What type of disasters are covered? 
Can I own a home without homeowners insurance? 
What is renters insurance? 
How do I take a home inventory and why? 
What's the difference between cancellation and nonrenewal?

What type of disasters are covered?


  1. Floods


    You can purchase flood coverage directly from your homeowners insurance agent. However, the policy is provided by the Federal Flood Insurance Program ( 800-427-4661, http://www.fema.gov/nfip ).

    You can get replacement cost coverage for the structure of your home, but only actual cash value coverage is available for your possessions. There may also be limits on coverage for furniture and other possessions stored in your basement.

    Flood insurance is available for renters as well as homeowners. You will need flood insurance if you live in a designated flood zone. But also consider buying it if your house could be flooded by melting snow, an overflowing creek or water running down a steep hill. Don’t wait until the evening news announces a flood season warning to buy a policy. There is a 30-day waiting period before coverage takes effect.

  2. Earthquakes

    Earthquake coverage can be a separate policy or an endorsement to your homeowners or renters policy. It available from most insurance companies. In California, it is also available from the California Earthquake Authority ( http://www.cea.gov ). In earthquake prone states like California, the policy comes with a high deductible.

  3. Maintenance damage

    It is your responsibility to take reasonable precautions to protect your home from damage. Your insurance policy will not cover damage due to lack of maintenance, mold, termite infestation and infestation from other pests.


Most homeowners policies cover all disasters listed below. Some policies provide coverage only for the first 10 listed. Check your insurance policies for the "perils" covered.

 
Dwelling & personal property
Dwelling



Personal
property


Dwelling & personal property

Perils
Basic HO-1*+
Broad HO-2*
Special HO-3*
Special HO-3
Renters HO-4
Condo/
Co-op HO-6
Modified Coverage HO-8
1. Fire or lightningxxxxxxx
2. Windstorm or hailxxxxxxx
3. Explosionxxxxxxx
4. Riot or civil commotionxxxxxxx
5. Damage caused by aircraftxxxxxxx
6. Damage caused by vehiclesxxxxxxx
7. Smokexxxxxxx
8. Vandalism or malicious mischiefxxxxxxx
9. Theftxxxxxxx
10. Volcanic eruptionxxxxxxx
11. Falling object xxxxx 
12. Weight of ice, snow or sleet xxxxx 
13.  Accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning, or automatic fire-protective sprinkler system, or from a household appliance. xxxxx 
14. Sudden and accidental tearing apart, cracking, burning, or bulging of a steam or hot water heating system, an air conditioning or automatic fire-protective system. xxxxx 
15. Freezing of a plumbing, heating, air conditioning or automatic, fire-protective sprinkler system, or of a household appliance. xxxxx 
16. Sudden and accidental damage from artificially generated electrical current (does not include loss  to a tube, transistor or similar electronic component) xxxxx 
All perils except flood, earthquake, war, nuclear accident, landslide, mudslide, sinkhole and others specified in your policy. Check your policy for a complete list of perils excluded.  x    

* HO-1, HO-2 and HO-3 refer to standard Homeowners Policies.

+HO-1 has been discontinued in most states.
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