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Know the Terms with Home Insurance Policies

The first time you pick up a home insurance policy in Sussex County, DE, you might find your eyes are crossing. It might seem like you are reading a manual in a foreign language. Not to worry; you can learn the basic insurance coverage terms that will help you better understand your coverage policy. Learn more to make sure that your financial protection with your biggest financial asset is fully covered and insured.

Actual Cash Value (ACV): The ACV is the amount of money you will need to replace or repair the damaged portions of your house after the event. The insurance company will determine the age and condition of the structure to assess how much money should be applied to the claim.

Claim: When an event has occurred, the claim is the request for reimbursement. The claim must be covered in the policy in order to be paid.

Deductible: This is the specific amount of people noted in the policy that states how much money the policyholder will pay out of pocket before the financial insurance coverage begins.

Depreciation: Over time, the value of a home structure and personal property decreases due to age and wear; the decrease is called the depreciation of the home.

Endorsement: A change added to the home insurance policy that revises the original terms of the protection plan.

Exclusion: When a person, event or condition is not covered through the policy, it is an exclusion. Common exclusions are situations like flood damage or wind damage.

Liability: A specific legal obligation

Loss of Use: Coverage options that pay for additional expenses outside the policy; for example, if the home is uninhabitable, the coverage can include additional expenses like hotel rooms and food while the house is being repaired.

Medical Payments: Coverage protection of medical expenses for incidents that happen on the property; typically, medical payments are given regardless of whose fault the accident is

Named-Perils Policy : A type of policy that covers the loss from a peril that is specifically mentioned in the policy

Peril: The condition or event that causes a loss, such as wind, theft or fire.

Replacement Cost: The financial amount needed to replace or repair an asset specifically named in the policy.

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