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A standard HO-3 home insurance policy covers many things, including your home’s physical structure, as well as other structures like a swimming pool or detached garage, your personal belongings ...
Age of home: You might pay more for insurance if you are the owner of an older home. These homes may have outdated features, like an old roof, that could be more prone to damage by a covered peril.
Some contents policies may also include possessions kept in outbuildings or in the garden area attached to the house. Contents insurance is usually sold alongside home insurance but it can also be purchased as a stand-alone policy, especially for those who are renting rather than owning their home.
For this reason, there has been a shift in how home insurance is bought in the UK—as customers become a lot more price-sensitive, there has been a large increase in the amount of policies sold through price comparison sites. In addition to standard home insurance, some 8 million households in the UK are categorized as being a "non-standard" risk.
An 18th-century fire insurance contract. Property insurance can be traced to the Great Fire of London, which in 1666 devoured more than 13,000 houses.The devastating effects of the fire converted the development of insurance "from a matter of convenience into one of urgency, a change of opinion reflected in Sir Christopher Wren's inclusion of a site for 'the Insurance Office' in his new plan ...
Comparison shop for best results: Just because a company offers lots of home insurance discounts does not mean it offers the best price. The only way to know you are getting the best deal on home ...
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