have open/all-peril coverage for the dwelling. If you have an HO-3 or HO-7 policy, your home and any structure attached to the property is covered from just about anything — unlike with the other homeowners policies that only have named-peril coverage for dwellings.
This is why an HO-3 homeowners policy is preferred coverage for those who own a house.
Vintage and heritage homes come with charm and rules and regulations for historic dwellings, making the cost to repair or rebuild more costly. The age of your home, roof, appraised value of your home, location, and size of your home are all factors in determining premium rates coverage minimums.What is homeowners insurance?
Homeowners insurance protects the dwelling, your belongings, and offers liability coverage for injuries that happen on your property. If the mailman slips and falls on your sidewalk, the dog bites a guest, a tree falls on your roof, or the neighbor's kid injures himself doing a cannonball in your swimming pool, homeowners insurance can protect you.
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