Home insurance, also commonly called hazard insurance or
homeowners insurance, is the type of property insurance
that covers private homes. It is an insurance policy that
combines various personal insurance protections, which can include losses
occurring to one's home, its contents, loss of its use (additional living
expenses), or loss of other personal possessions of the homeowner, as well
as liability insurance for accidents that may happen at the home.
The cost of homeowners insurance often depends on what it would cost to
replace the house and which additional riders—additional items to be
insured—are attached to the policy. The insurance policy itself is a
lengthy contract, and names what will and what will not be paid in the
case of various events.
Typically, claims due to earthquakes, floods, "Acts of God", or war
(whose definition typically includes a nuclear explosion from any
source) are excluded. Special insurance can be purchased for these
possibilities, including flood insurance and earthquake insurance.
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Farmers Insurance Group
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John Facey
3433 Broadway St # B4, American Canyon, CA 707 557-8691
Farmers Insurance Group
1705 Washington St, Calistoga, CA 707 942-9650
Farmers Insurance Group
Alan Turner
1732 Jefferson St # 4, Napa, CA 707 252-3045
St Helena Insurance Assoc
Linda J Beard Delucchi
6540 Washington St, Yountville, CA 707 944-9122
State Farm Insurance
Norman S Manzer
1216 Church St, St Helena, CA 707 963-2322
State Farm Insurance - Gail Robbins
3152 Jefferson St, Napa, CA 707 254-2004
State Farm Insurance - Lynn Keeling
1745 Jefferson St, Napa, CA 707 224-3176 |
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The home insurance policy is usually a term contract—a contract that is in
effect for a fixed period of time. The payment the insured makes to the
insurer is called the premium. The insured must pay the insurer the
premium each term. Most insurers charge a lower premium if it appears less
likely the home will be damaged or destroyed: for example, if the house is
situated next to a fire station, or if the house is equipped with fire
sprinklers and fire alarms. Perpetual insurance, which is a type of home
insurance without a fixed term, can also be obtained in certain areas.
In the United States, most home buyers borrow money in the form of a
mortgage loan, and the mortgage lender always requires that the buyer
purchase homeowners insurance as a condition of the loan, in order to
protect the bank if the home were to be destroyed. Anyone with an
insurable interest in the property should be listed on the policy. In some
cases the mortgagee will waive the need for the mortgagor to carry
homeowner's insurance if the value of the land exceeds the amount of the
mortgage balance. In a case like this even the total destruction of any
buildings would not affect the ability of the lender to be able to
foreclose and recover the full amount of the loan. The insurance crisis in
Florida has meant that some waterfront property owners in that state have
had to make that decision due to the high cost of premiums. |
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