164288 35 Business & Finance Insurance Home Insurance true Fri, 20 Mar 2009 04:05:38 -0700 /system/videos/5/88/42/16/164288.flv business, finance, insurance, buying, purchasing, getting, policies, money, family, house How To Buy Homeowners Insurance http://www.howcast.com/videos/164288-How-To-Buy-Homeowners-Insurance http://www.howcast.com/videos/164288-How-To-Buy-Homeowners-Insurance/edit approved 179 640 360 <object width="425" height="273" classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" id="howcastplayer"><param name="movie" value="http://www.howcast.com/flash/howcast_player.swf?file=164288"></param><param name="allowFullScreen" value="true"></param><param name="allowScriptAccess" value="always"></param><embed src="http://www.howcast.com/flash/howcast_player.swf?file=164288" type="application/x-shockwave-flash" width="425" height="273" allowFullScreen="true" allowScriptAccess="always" ></embed></object> 5 bracey http://img.howcast.com/system/thumbnails/164288/homeowners_insurance_master_hd-1920x1080_to_H.264_640x360_xxlarge_maintained_aspect.jpg 987 false false false 62430 1 39 Step http://img.howcast.com/system/thumbnails/164288/39.jpg A standard policy covers property damage caused by certain disasters; personal belongings, up to a limit; personal liability, which protects family members from lawsuits related to injury or property damage they may cause others; and medical coverage, which pays the expenses of non-family members injured on your property.

]]> 62431 2 56 Step http://img.howcast.com/system/thumbnails/164288/56.jpg Calculate how much insurance you need to carry. Homeowners insurance reimburses you for the cost per square foot of rebuilding your home—not the market value of the house.

]]> 62432 3 67 Step http://img.howcast.com/system/thumbnails/164288/67.jpg Figure out how much it would take to replace the contents of your home, which you can record by photographing or videotaping them. Consider hiring a professional appraiser to help.

]]> 62433 4 75 Tip A standard policy has reimbursement limits. If you own something particularly valuable that exceeds the limit, buy a separate policy for it. You’ll have to prove its worth with an appraisal.

]]> 62434 5 88 Step http://img.howcast.com/system/thumbnails/164288/88.jpg Consider buying additional coverage. Damage from fire and lightning is covered in standard policies, but flooding and earthquakes are not. Hurricanes are generally covered, but any flooding they cause is not.

]]> 62435 6 100 Tip If you live in an area prone to disasters that cause rebuilding costs to skyrocket, you might want extended-replacement coverage, which gives you an additional 20 to 25 percent over your policy limit.

]]> 62436 7 112 Step http://img.howcast.com/system/thumbnails/164288/112.jpg Weigh the pros and cons of a cash-value policy, which gives you money to replace your belongings, minus depreciation, versus a replacement-cost policy, which reimburses you for the current cost of replacing your goods. The latter has higher premiums.

]]> 62437 8 126 Step http://img.howcast.com/system/thumbnails/164288/126.jpg Get at least three rate quotes, since premiums can vary wildly, and check out the financial health of various insurance companies by searching online for their financial-strength ratings.

]]> 62438 9 136 Tip If you own a car, always check homeowner rates with your car insurer. Some companies give discounts to customers with multiple policies.

]]> 62439 10 144 Step http://img.howcast.com/system/thumbnails/164288/144.jpg Ask if you qualify for a premium discount if you have a security system, an upgraded electrical system, or new plumbing. Choose the highest deductible you can safely afford. Taking a $1,000 deductible rather than a $500 one can reduce your premiums by as much as 25 percent.

]]> 62440 11 162 Step http://img.howcast.com/system/thumbnails/164288/162.jpg Review your policy, and alert your insurer any time you make substantial renovations or a pricey purchase.

]]> 62441 12 167 Fact If a ring or other piece of jewelry falls down the drain, standard homeowners insurance partially covers the replacement cost.

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