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Hazard Insurance Policies specify which perils or hazards are covered. Fire, lightning, hail, windstorms and explosions are all covered perils. It's vital to read the policy carefully to determine the hazards that are covered, as well as any exclusions. Dwelling coverage:
Hazard insurance usually covers the structure of a property including walls, roofs, floors and any other structures attached to the home, such as garages or sheds. The amount of coverage is determined by the estimated replacement cost for the property in the event of a total disaster. Personal Property Coverage
- Some policies include coverage for the personal property within a home, including furniture, appliances and clothing. Personal property coverage is typically a percentage amount of the dwelling coverage. Liability Coverage:
This coverage protects a property owner in the event that someone is injured on their property and sues them for damages. This can cover medical and legal costs that result from a liability claim. Hazard insurance is no different from other policies in that it includes a deductible. The deductible is a pre-paid amount that the insured must pay before insurance coverage kicks into effect. Insurance premiums are typically lower when deductibles are higher. Depending on your policy and the insurer, you may have additional coverage options. They can include coverage of specific valuables, like jewelry or artwork. Or they can be additional endorsements to cover specific risks.