home insurance
Dwelling damage policy
Home insurance is coverage that protects a residence and its contents against damage, theft, and liability.
Standard policies cover the structure itself, personal belongings, and injuries that occur on the property.
Homeowners typically carry it as a mortgage requirement: The bank won't approve the loan without proof of home insurance.
Also called homeowner's insurance.
Added cost for better
- deductibleOut-of-pocket threshold amount
- coverageExtent of inclusion
- underwritingRisk evaluation and acceptance
- endorsementFormal expression of support
exclusions · liability · renewal · actuary · policyholder · quote · riders · terms and conditions
Combustion with flames
- floodOverwhelming water overflow
- theftUnlawful taking of property
- water damageDestruction from liquid intrusion
- stormSevere atmospheric disturbance
hail · lightning · vandalism · burglary · wind damage · smoke damage · falling objects · earthquake
One who calibrates
- settlementResolved dispute or colony
- reimbursementPayment for incurred expenses
- appraisalEstimation of worth
- documentationWritten proof or instructions
estimate · restoration · repair · replacement · payout · denial · dispute · filing
Place of residence
- structureArrangement of interconnected parts
- detached garageVehicle shelter apart from home
- shedCast off naturally
- personal belongingsOne's own items
contents · valuable items · jewelry · electronics · appliances · furniture · inventory · outbuilding
Automated threat detection network
- deadboltKey-operated door lock
- surveillance cameraDevice recording observed areas
- motion sensorDevice detecting nearby activity
- smoke detectorCombustion particle sensor
carbon monoxide detector · security system · smart lock · monitoring service · fire extinguisher · safe · fence · loss prevention
premium
Added cost for better
- deductibleOut-of-pocket threshold amount
- coverageExtent of inclusion
- underwritingRisk evaluation and acceptance
endorsement · exclusions · liability · renewal · actuary · policyholder · quote · riders · terms and conditions · effective date
fire
Combustion with flames
- floodOverwhelming water overflow
- theftUnlawful taking of property
- water damageDestruction from liquid intrusion
storm · hail · lightning · vandalism · burglary · wind damage · smoke damage · falling objects · earthquake · hurricane
adjuster
One who calibrates
- settlementResolved dispute or colony
- reimbursementPayment for incurred expenses
- appraisalEstimation of worth
documentation · estimate · restoration · repair · replacement · payout · denial · dispute · filing · investigation
dwelling
Place of residence
- structureArrangement of interconnected parts
- detached garageVehicle shelter apart from home
- shedCast off naturally
personal belongings · contents · valuable items · jewelry · electronics · appliances · furniture · inventory · outbuilding · swimming pool
alarm system
Automated threat detection network
- deadboltKey-operated door lock
- surveillance cameraDevice recording observed areas
- motion sensorDevice detecting nearby activity
smoke detector · carbon monoxide detector · security system · smart lock · monitoring service · fire extinguisher · safe · fence · loss prevention · safeguard
- UK FinanceBank of England, pound sterling, pound, gilts, FTSE
- financial contractsfutures contract, forward contract, derivative, annuity, loan agreement
- financial safetyemergency fund, savings, safety net, nest egg, rainy day fund
- property insurancehurricane coverage, property coverage, hail damage, property damage, coverage limits
- protection planswarranty, extended warranty, dental plan, vision plan, accident coverage
- risk contractswagers, bets, annuities, lottery tickets, futures contracts
home insuranceno insurance
Lacking protective coverage
uninsured · self-insured · out of pocket · self-pay · uncovered
home insurancelandlord insurance
Protection for property lessors
home insurancelife insurance
Contract paying upon death
health insurance · auto insurance · car insurance · travel insurance · liability insurance
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