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  2. Hazard insurance and dwelling coverage are the same thing. Dwelling insurance is the part of your policy that covers your actual house — from roof to foundation — but not the contents of your ...

  3. Insurance - Wikipedia

    en.wikipedia.org/wiki/Insurance

    Home insurance, also commonly called hazard insurance or homeowners insurance (often abbreviated in the real estate industry as HOI), provides coverage for damage or destruction of the policyholder's home. In some geographical areas, the policy may exclude certain types of risks, such as flood or earthquake, that require additional coverage.

  4. What Is a homeowners insurance peril and how does it work? - AOL

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

    A peril, risk and hazard are all related, but have different meanings when speaking about insurance. A peril is the actual event that causes damage and loss A risk is the likelihood of a peril ...

  5. Extended coverage - Wikipedia

    en.wikipedia.org/wiki/Extended_coverage

    Extended coverage is a term used in the property insurance business. All insurance policies have exclusions for specific causes of loss (also called "perils") that are not covered by the insurance company. An extended coverage endorsement (EC) was a common extension of property insurance beyond coverage for fire and lightning.

  6. 4 Types of Insurance That Are Always Worth It, According to ...

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  7. Adverse selection - Wikipedia

    en.wikipedia.org/wiki/Adverse_selection

    With moral hazard, the asymmetric information between the parties causes one party to increase their risk exposure after the transaction is concluded, whereas adverse selection occurs before. Moral hazard suggests that customers who have insurance may be more likely to behave recklessly than those who do not.

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