Generally, damage caused by earthquakes is not covered by a standard homeowners policy, but can be purchased as a separate policy — or as an endorsement in some cases. Anearthquake insurance policyis typically optional but may be something to consider if you live near an active fault line. ...
Homeowners on the FAIR Plan who are unable to obtain a policy in the private market but want the kind of financial protection offered by an HO-3 can purchase a Difference in Conditions (DIC) policy. It is a supplemental form of insurance meant to fill in the coverage gaps left by a ...
Welcome to the world of home insurance, where there are various types of policies tailored to meet different needs. One such policy is HO Four insurance, which offers unique coverage for homeowners. In this article, we will delve into the specifics of HO Four insurance, exploring its definitio...
Dwelling coverage is the part of a homeowners policy that pays to repair damage to the structure of your home, or to rebuild it if it’s destroyed. Dwelling insurance will cover you up to the limit of your policy. Your home’s structure includes the roof, foundation, floors, doors, windo...
If your home is at least 40 years old, you may qualify for an HO-8 policy, intended for older houses where the cost of repair may outweigh thefair market value. H-08 insurance only covers specific perils — typically fire, theft and vandalism — and only pays out theactual cash valueof...
"We took away tools to intervene in cycles of addiction that have an interplay with retail theft, with unsheltered homelessness," Mahan said. Ho noted that misdemeanor petty theft is a cite-and-release offense, which means even repeat offenders generally walk away with a notice to appear in...
There a few types of homeowners insurance. They are referred to as policy forms. The various kinds of homeowners insurance provide different coverage levels so you will want to know the difference. The most common form of home insurance is what’s called HO-3 insurance or “special form”. ...
It bears repeating that this is not an issue of what is or is not good policy. You could say the same thing about the subsidy for dependent care: because it’s implemented as a tax credit instead of as a spending program, it’s off limits to the House Republicans. Whatever your views...
Most homeowners have seen a DIY bathroom remodel on one of those TV shows where the room goes from old and worn to shiny and new in the span of half an hour. However, in real life, a DIY bathroom remodel takes hard work and time. It requires experience and skill in several areas, ...
What is RoPA? The Regulation of Property Agents (RoPA) is a government-led initiative which states that "property agents should be regulated by an independent regulator, with mandatory qualifications and a code of practice". The regulations are aimed at estate agents in the UK and managing agent...