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  2. How to choose the best home insurance company - AOL

    www.aol.com/finance/choose-best-home-insurance...

    In homeowners insurance, the 80 percent rule refers to the fact that most insurance companies require homeowners to insure their home for at least 80 percent of its total replacement cost.

  3. Insurance company ratings explained - AOL

    www.aol.com/finance/insurance-company-ratings...

    Insurance company ratings take into account a number of factors. Besides the finances, the general health and ethics of the company are also considered before rating the insurer. Some other ...

  4. Home warranty - Wikipedia

    en.wikipedia.org/wiki/Home_warranty

    Around 20 companies went out of business between 2013 and 2014. Buyers are encouraged to check the provider reviews and ratings of the companies selling the product. [7] In some cases, companies operate in jurisdictions without the required licensing or registration. [8] [1] [9]

  5. Does homeowners insurance cover appliances? - AOL

    www.aol.com/finance/does-homeowners-insurance...

    Homeowners insurance covers your appliances under specific circumstances. Skip to main content. Sign in. Mail. 24/7 Help. For premium support please call: 800-290-4726 more ways to reach us ...

  6. Demotech - Wikipedia

    en.wikipedia.org/wiki/Demotech

    Demotech provides an important service within the ratings community and plays a very important role in the insurance market. In 2023, researchers from Columbia Business School , Harvard Business School , and the Federal Reserve Board examined the quality of Florida property insurers rated by Demotech versus traditional rating agencies, and ...

  7. Replacement value - Wikipedia

    en.wikipedia.org/wiki/Replacement_value

    To the extent that the carrier has knowingly or carelessly sold excessive (i.e. unnecessary) insurance, such a practice may constitute consumer fraud. Replacement cost coverage is designed so the policy holder will not have to spend more money to get a similar new item and that the insurance company does not pay for intangibles. [4]

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