What Does Homeowner’s Insurance Cover?

This is a guest post.

Homeowner’s insurance is similar to your car insurance in that if your home or even certain belongings within your home become damaged, you will receive compensation for the damage in qualifying circumstances. Also like your car insurance, home insurance can be mandatory in certain situations, such as when financing a home. Financing a home is common, and most lenders require you to purchase homeowner’s insurance before they will agree to a mortgage. Many companies, such as Rogers & Gray Insurance, also offer many different options when it comes to choosing homeowner’s insurance. As a result, it can be important to know the differences between the different types that are commonly available.

How It Works

As with your car insurance, you will pay a monthly premium to your homeowner’s insurance company each month in return for the promise that the insurance company will cover damage and sometimes even replacement costs in certain situations. What situations qualify will depend upon what type of insurance you have. In some cases, the costs covered will also include any expenses acquired due to having to leave the home while repairs are completed, such as for a hotel stay. In addition, you will most likely be required to pay a deductible when an event occurs, which will either be a set, pre-determined amount or a set percentage of the total repair costs.

Property Damage

For most basic home insurance plans, only damage to the property and building itself will be covered in the event of storms, fire, ice, theft, or vandalism. Most home insurance plans will not cover damages caused by floods, earthquakes, or hurricanes, however, and additional coverage may need to be purchased if you live somewhere where these events are common. But the most common type of homeowner’s insurance plan is called the HO-3 plan. This plan will also cover any damage to personal belongings and includes liability coverage.

Liability Coverage

An insurance company such as Rogers and Gray Insurance that offers liability coverage does not only cover damages for your home, but also any damages that may occur to visitors at your home. If a person visiting your home, such as a utility worker or even the mailman, happens to be injured during their visit, you may be found liable for their injuries. Liability coverage on a homeowner’s insurance plan helps cover the costs of medical expenses that may result and may even offer you legal representation if the case is taken to court.

Call a Wrongful Death Lawyer when You Have Doubts

This is a guest post.

Accidents happen all the time. People get hurt. Some of them even die. Hire a lawyer when this unfortunate situation was caused by the negligent actions of someone else. The attorney can help you file a personal injury claim. Are you not quite sure if you actually have a case? Find a law firm advertising “call us today.” They value new clients. They have knowledgeable associates who can address urgent concerns right away. Request a free consultation, in which issues like those mentioned below might be discussed.

Do You Have a Case?

Certain cases are really tough, as it is not always quite clear if the victim was at fault for getting injured or someone else. An experienced attorney will review the evidence. You may be asked to provide additional proof and paperwork if there is not enough information to form an opinion. Follow up as quickly as possible, because there is a deadline for filing a personal injury or wrongful death claim. The sooner the judge rules, the faster you receive compensation. That is vital if you depend on that money because the deceased was the breadwinner in the family.

Dealing with Insurance Companies

Monetary damage is an important part of wrongful death lawsuits. The compensation ranges from funeral and medical expenses to benefits and loss of future income. Expect a fight from the insurance company responsible for paying those funds. They will try every crooked trick in the book to limit the payout amount. Carriers may even try to tell victims that they have no right to compensation. A knowledgeable attorney can contradict this statement, and put your mind at ease. Insurance agents are usually more forthcoming to work with claimants with legal representation.

General Principles of Wrongful Death

Most citizens today use electronics for their research. The Internet is pretty much available to anyone. People without a computer can use one at a public library, go to an Internet cafe, or ask a friend for help. There is such a tremendous amount of information out there that it can be tough to determine which articles and blog are relevant to your case. Find a legal website that says “Call us today.” Pick up the phone, and share immediate concerns with a representative. One conversation can put your mind at ease.