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These policies also usually include some form of liability, additional living expenses and medical payments coverage. HO-8 policies: The HO-8 home insurance policy is designed specifically for ...
An HO-4 policy, also known as renters insurance, is intended for renters who want to insure their personal belongings and get additional coverage, like liability and additional living expenses. An ...
The insurance company says that the average increase was $244 per year, partially due to an increase in extreme weather, natural disasters, risk elevation and inflation.
The cost of homeowner's insurance often depends on what it would cost to replace the house and which additional endorsements or riders are attached to the policy. The insurance policy is a legal contract between the insurance carrier (insurance company) and the named insured(s). It is a contract of indemnity and will put the insured back to ...
Contractors may have less incentive to control losses if they aren't buying their own insurance; Less total coverage available to compensate owner if project turns out to have multiple defects with multiple independent causes, for which each responsible subcontractor previously would have brought own carrier, policy, and coverage limits to ...
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