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Homeowners insurance typically covers a range of risks and liabilities. It generally includes coverage for damage to your dwelling, other structures on your property (like a detached garage), personal belongings, liability protection in case someone is injured on your property, and additional living expenses if your home becomes uninhabitable due to a covered event. However, specific coverage can vary depending on your policy, so it's essential to review your policy documents and discuss your needs with your insurance agent to ensure you have the right coverage for your situation.
Yes, you can usually make changes to your homeowners insurance policy mid-term. Common mid-term changes include updating your coverage limits, adding or removing endorsements, and changing your deductible. However, it's essential to contact your insurance provider to discuss any changes and understand how they might affect your premium. Keep in mind that certain changes may require underwriting approval, and some could result in adjustments to your policy premium.
What factors affect my auto insurance premiums?
Several factors influence auto insurance premiums, including your age, gender, driving record, type of vehicle, location, credit score, coverage limits, deductibles, and any discounts you may qualify for.
What is liability coverage, and why do I need it?
Liability coverage helps pay for damages and injuries you may cause to others in an accident for which you are at fault. It is required by law in most states and is essential for protecting your assets in case of a lawsuit. Fun Fact, North Carolina will be increase the minimum Liability limits starting
January 01, 2025