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HO-8 policies: The HO-8 home insurance policy is designed specifically for historic homes or older ones that are more challenging to replace. This may be because the homes have to meet historical ...
The most common type of homeowners insurance is the HO-3 Special Form policy, which covers your home, your personal property, liability, additional living expenses and medical payments.
The parts of a homeowner insurance policy. A homeowners insurance policy includes a variety of coverage types, each one with its own monetary coverage limit. The central element is dwelling ...
In 1820, there were 17 stock life insurance companies in the state of New York, many of which would subsequently fail. Between 1870 and 1872, 33 US life insurance companies failed, in part fueled by bad practices and incidents such as the Great Chicago Fire of 1871. 3,800 property-liability and 2,270 life insurance companies were operating in ...
A total of 43 of the damaged cars were insured by State Farm policy holders, to which State Farm paid out $1.5 million in payments to the garage's customers whose vehicles were damaged in the collapse. [88] State Farm alleged that the owners "failed to properly operate, manage, maintain and/or control the garage", thus resulting in the collapse.
A standard home insurance policy might not meet some homeowners’ needs. Most home insurance policies do not cover earthquake or flood losses. If you live in an area prone to earthquakes or ...
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 ...
An HO-2 policy is a type of homeowners insurance that only covers damages caused by perils specifically named in your policy. An HO-2 typically covers 16 named perils, including damage from fire ...