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Liability coverage Homeowners may have more liability risk than condo and co-op unit owners, especially if you have what the insurance industry calls “attractive nuisances” on your property.
Fireman's Fund provided Farm and Ranch insurance for American farmers since 1876 – owner occupied family farms and larger scale agricultural operations for ranchers, farmers, and dairy owners. Fireman's Fund was the first insurer in the United States to offer green insurance coverage for both personal and commercial lines, starting in 2006.
Homeowner's policy is a multiple-line insurance policy, meaning that it includes both property insurance and liability coverage, with an indivisible premium, meaning that a single premium is paid for all risks. This means that it covers damage to one's property and liability for any injuries and property damage caused by the owner or members of ...
Medical payments coverage: This coverage operates similarly to personal liability but specifically covers the medical bills of someone injured on or in your property, regardless of fault.
Key takeaways. The most common type of homeowners insurance policy is the standard HO-3 Special Form policy. HO-5 policies offer the broadest coverage of all policy types.
Umbrella insurance is a form of liability insurance that provides coverage when liability exceeds the limits of other insurance policies, such as auto insurance or homeowners insurance. It can also act as primary insurance for losses not covered by those underlying policies, distinguishing it from excess insurance , which typically only extends ...
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