Welcome to the TooeleHomes4Sale.com Blog

2012-06-01 13:44:01
What does Your Tooele Home Insurance Cover?

What Does Your Tooele Home Insurance Cover?


When buying a Tooele home, your lender requires that you have home insurance. Even after your mortgage is paid off, home insurance is a good thing to have. But what exactly does a home insurance policy cover?


There are several different types of home insurance policies. The most commonly purchased home insurance policy is called an HO-3. Here’s what this type of policy covers:


  • Dwelling – Provides protection for the structure of your home and other structures attached to it. The basic home insurance policy pays to repair or rebuild your Tooele home if it is damaged due to fire or severe storms.


  • Other Structures - Provides protection for structures or dwellings on your property not attached to your residence. This may include unattached garages, sheds, fencing, etc.


  • Unscheduled Personal Property - Covers damage to your personal effects – those things owned or used by you inside or outside your Tooele home. Personal items such as furniture, clothing, computers and entertainment units are covered, even if the device is not in the home when the device is damaged. You can buy additional coverage for valuables such as furs, jewelry and art, if their value exceeds the limit specified by your policy.


  • Loss Of Use- Reimburses you for expenses such as hotel stays and meals you may incur if your home becomes uninhabitable due to a loss covered by the insurance policy.


  • Personal Liability - If you are sued because a member of your family hurts others or damages their property, your insurance pays for that liability up to the limit specified by your policy.


  • Medical Payments - Provides coverage for medical payments, if a third party is injured by or on your personal property.


Most home insurance policies offer basic coverage from common hazards. Because the basic policies are built with the average American home in mind, your policy might not account for all risks associated with your location or unique possessions. Be sure to talk with an insurance specialist to determine the type of coverage you need.


If you want more homeowner advice like this, subscribe to my blog. It’s fast, easy and free. Or call me @ 435 840-5029.


Keyword/tags:  Tooele home




Blog Archive
2017-06-20 05:46:38
About Tooele Real Estate Week # 24

2017-06-05 06:13:41
4 Things to Know about Buying New Construction In Tooele Utah

2017-06-03 13:02:03
Have Your Agent Answer These Questions

2017-06-03 10:18:35
Real Estate Info in Tooele County Utah

2017-05-23 16:36:22
More Important Real Estate Information About Tooele County

2017-05-01 10:50:14
On the fence about selling in Tooele County? Jump!

2017-04-30 10:52:44
Week #17 Post About Tooele Real Estate

2017-04-26 13:43:39
What Does Solar Do To Home Values in Tooele UT

2017-04-24 13:27:55
Appraisals Can Be An Issue in a Hot Market

2017-04-22 09:32:18
Week #16 in Tooele County Real Estate

2017-04-22 09:13:05
Look At Buying a Home Now or Later in Tooele UT

2017-04-22 09:03:55
5 Reasons To Sell Your Tooele County Home

2017-04-18 06:10:55
New Home Construction in Stansbury Park UT Heating

2017-04-16 11:09:28
Get 100% Financing in Tooele UT With VA Loans

2017-04-11 12:57:56
Wondering How You Can Buy A Home in Tooele UT

2017-04-10 11:04:10
Tooele Utah Real Estate Information

2017-04-08 08:05:06
Big Week in Tooele County Real Estate #14

2017-04-07 16:33:38
VA Loans in Tooele For 100% Financing

2017-04-05 10:40:08
Grantsville Utah Homes Selling Fast

2017-04-04 11:15:51
Buying a New Home in Tooele UT

2017-04-03 05:29:35
Tooele UT New Home Sales Heating Up

2017-03-15 10:36:12
Is Tooele County a Home Buyer or Sellers Market

2017-03-14 13:44:39
Tooele County UT Has 6 Bedroom Homes For Sale

2017-02-25 11:50:56
About Buying a New Home in Tooele County

2017-02-19 06:55:30
Berna Talks About Tooele Real Estate

Click here to see ALL articles.

Comment on this Article

Your Name:
Your Email:
Verify:  Please enter the numbers shown to help eliminate spam.