473:(NAIC) report on data from 2016, 73.8% of homes were covered by owner-occupied homeowners' policies. Of these, 79.52% had an HO-3 Special policy, and 13.35% had the more expensive HO-5 Comprehensive. Both of these policies are "all risks" or "open perils", meaning that they cover all perils except those specifically excluded. Homes covered by an HO-2 Broad policy accounted for 5.15%, which covers only specific named perils. The remaining 2% includes the HO-1 Basic and the HO-8 Modified policies, which are the most limited in the coverage offered. HO-8, also known as older home insurance, is likely to pay only actual cash value for damages rather than replacement.
499:, (sometimes called "force-placed insurance") and charge the premiums to the homeowner via escrow. CPI's pay off the balance owed on the mortgage if the homeowner defaults on mortgage payments, and some will cover damage to the home that impacts the resale value. This repair coverage can benefit the homeowner, but by design the contractual benefits flow to the mortgagee. If the structure is deemed uninsurable, the homeowner also benefits from not having the mortgage called in by the lender - without CPI the homeowner would be in serious breach of his contractual obligations.
482:
volcanic eruption, snow, sleet, and weight of ice. The remainder had the HO-6 Unit-Owners policy, also known as a condominium insurance, which is designed for the owners of condos and includes coverage for the part of the building owned by the insured and for the property housed therein. Designed to span the gap between the coverage provided by the blanket policy written for the entire neighborhood or building and the personal property inside the home. The condominium association's by-laws may determine the total amount of insurance necessary. E.g., in
383:
3142:
3168:
544:(UK) require the rebuild value (the actual cost of rebuilding a property to its current state should it be damaged or destroyed) of a property to be covered as a condition of the loan. However, the rebuild cost is often lower than the market value of the property, as the market value often reflects the property as a going concern, as opposed to just the value of the bricks and mortar.
335:– special-form coverage is the most inclusive of the three options. The difference with "special form" policies is that they provide coverage to all losses unless specifically excluded. Unlike the prior forms, all unlisted perils are covered perils. However, if something happens to your home, and the event is on the exclusions list, the policy will not provide coverage.
3155:
43:
461:
companies have diverged from the former standardized model ISO forms. Water damage due to burst pipes in particular has been restricted or in some cases entirely eliminated. Other restrictions included time limits, complex replacement cost calculations (which may not reflect the true cost to replace), and reductions in wind damage coverage.
232:"special form" policy, these two groupings of named perils allow the insurer to offer a choice among three types of policy, with three levels of coverage, which can be priced in a fair and accurate manner and appeal to a variety of resident homeowners as well as owners of apartment buildings and condominium associations.
775:
Building covers both the primary structure as well as detached structures such as garages, sheds, and back houses that are on property. However, different insurers may not cover things like boundary walls, fences, gates, paths, drives or swimming pools, so it is important to check the specific policy
146:
coverage, with an indivisible premium, meaning that a single premium is paid for all risks. This means that it covers both damage to one's property and liability for any injuries and property damage caused by the owner or members of his/her family to other people. It may also include damage caused by
784:
Contents insurance covers personal effects such as furniture, clothes, electronics, jewelry, etc. Most policies limit the individual amount of money paid out for each category of items. Individual policies can vary in the amount of coverage they provide. The option to schedule your personal property
551:
In addition to standard home insurance, some 8 million households in the UK are categorized as being a "non-standard" risk. These households require a specialist or non-standard insurer that would cover home insurance needs for people that have criminal convictions and/or where the property suffers
231:
For insurance policies that cover specific named perils, the insurer frequently offers a choice between one policy that will cover a basic set of specific perils, and another policy that covers the same basic set plus several additional perils, as discussed below. Together with an open peril, a.k.a.
227:
Home insurance offers coverage on a "named perils" and "open perils" basis. A "named perils" policy is one that provides coverage for a loss specifically listed on the policy; if it's not listed, then it's not covered. An "open perils" policy is broader in the sense that it will provide coverage for
740:
use a more straightforward approach to home insurance, called "building and contents coverage" commonly referred to as "home and contents insurance". Relative to the insurance policies of the United States, building and contents coverage offers a very basic level of coverage. Most standard policies
441:
Prior to the 1950s there were separate policies for the various perils that could affect a home. A homeowner would have had to purchase separate policies covering fire losses, theft, personal property, and the like. During the 1950s policy forms were developed allowing the homeowner to purchase all
421:
and subsequent foundation failure is usually covered under an insurance policy. United States insurance companies used to offer foundation insurance, which was reduced to coverage for damage due to leaks, and finally eliminated altogether. The insurance is often misunderstood by its purchasers; for
547:
A number of factors, such as an increase in fraud and increasingly unpredictable weather, have seen home insurance premiums continue to rise in the UK. For this reason, there has been a shift in how home insurance is bought in the UK—as customers become a lot more price-sensitive, there has been a
494:
If a home can not be insured, obtaining a mortgage on it is difficult or impossible. If the homeowner's insurance is canceled after a mortgage agreement is in force, and the home judged to be uninsurable, a standard mortgage contract that compels homeowner's insurance allows the lender to purchase
481:
written for the complex. This policy can also cover liability arising from injury to guests as well as negligence of the renter within the coverage territory. Common coverage areas are events such as lightning, riot, aircraft, explosion, vandalism, smoke, theft, windstorm or hail, falling objects,
460:
Modern developments have changed the insurance coverage terms, availability, and pricing. Homeowner's insurance has been relatively unprofitable, due in part to catastrophes such as hurricanes as well as regulators' reluctance to authorize price increases. Coverages have been reduced instead and
192:
subsidiary
Marshall Swift-Boeckh, Verisk PropertyProfile, and E2Value, but leave the responsibility ultimately up to the consumer. In 2013, a survey found that about 60% of homes are undervalued by an estimated 17 percent. In some cases, estimates can be too low because of "demand surge" after a
511:
factbook, for every $ 100 of premium, in 2005 on average $ 16 went to fire and lightning, $ 30 to wind and hail, $ 11 to water damage and freezing, $ 4 for other causes, and $ 2 for theft. An additional $ 3 went to liability and medical payments and $ 9 for claims settlement expenses, and the
405:, and the mortgage lender often requires that the buyer purchase homeowner's insurance as a condition of the loan, in order to protect the bank if the home is destroyed. Anyone with an insurable interest in the property should be listed on the policy. In some cases the
413:
to carry homeowner's insurance if the value of the land exceeds the amount of the mortgage balance. In such a case 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.
303:– this form expands on the "basic form" by adding 6 more covered perils. Again, this is a "named perils" policy. The loss must specifically be listed to receive coverage. Fortunately, the "broad form" is designed to cover the most common forms of property damage.
476:
The remaining 21.3% of home insurance policies were covered by renter's or condominium insurance. 14.8% of these had the HO-4 Contents Broad form, also known as renters' insurance, which covers the contents of an apartment not specifically covered in the
527:
Filing a claim may result in an increase in rates, or in nonrenewal or cancellation. In addition, insurers may share the claim data in an industry database (the two major ones are CLUE and A-PLUS), with Claim Loss
Underwriting Exchange (CLUE) by
150:
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
793:
Liability is typically bundled together with building and contents coverage. Injuries and damage on premises would be covered by building coverage liability while any offsite occurrences would be covered under contents coverage.
147:
household pets. The U.S. uses standardized policy forms that divide coverage into several categories. Coverage limits are typically provided as a percentage of the primary
Coverage A, which is coverage for the main dwelling.
457:, also known as the ISO, was formed in 1971 to provide risk information and it issued simplified homeowner's policy forms for reselling to insurance companies. These policies have been amended over the years.
242:. If something happens to your home that's not on the list below, you are not covered. This type of policy is most common in countries with developing insurance markets and as protection for
520:
After a loss, the insured is expected to take steps to mitigate the loss. Insurance policies typically require that the insurer be notified within a reasonable time period. After that, a
1237:
193:
catastrophe. As a safeguard against a wrong estimate, some insurers offer "extended replacement cost" add-ons ("endorsements") which provide extra coverage if the limit is reached.
130:
Additionally, homeowner's insurance provides financial protection against disasters. A standard home insurance policy insures the home itself along with the things kept inside.
434:
in the United States was introduced in
September 1950, but similar policies had already existed in Great Britain and certain areas of the United States. In the late 1940s, US
61:
1346:
512:
remaining $ 25 was allocated to insurer expenses. One study of fires found that most were caused by heating incidents, although smoking was a risk factor for fatal fires.
181:
Major factors in price estimation include location, coverage, and the amount of insurance, which is based on the estimated cost to rebuild the home ("replacement cost").
2261:
163:
from any source) are excluded from coverage, amongst other standard exclusions (like termites). Special insurance can be purchased for these possibilities, including
470:
2276:
1541:
3126:
155:) and the named insured(s). It is a contract of indemnity and will put the insured back to the state he/she was in prior to the loss. Typically, claims due to
1521:
2271:
3081:
1647:
1173:
902:
1218:
188:
penalty. In this scenario, the insured will be subject to an out of pocket fee as a penalty. Insurers use vendors to estimate the costs, including
2587:
1038:
3096:
2281:
2486:
2266:
3086:
1536:
442:
the insurance they needed on one complete policy. However, these policies varied by insurance company, and were difficult to comprehend.
1482:
3111:
1677:
1421:
838:
2909:
2592:
1606:
1273:
1126:
79:
238:– this is the least comprehensive of the three coverage options. It provides protection against perils most likely to result in a
1672:
1343:
1191:"Dwelling Fire, Homeowners Owner-Occupied, Homeowners Tenant, Condominium/Cooperative, and Unit Owners Insurance: Data for 2012"
2251:
1642:
1632:
898:
508:
496:
30:
Among costs escrowed into a monthly mortgage payment, "HOI" (homeowners' insurance premium) is not to be confused with "HOA" (
3066:
3046:
2511:
2256:
167:. Insurance is adjusted to reflect the cost of replacement, usually upon application of an inflation factor or a cost index.
964:
940:
3172:
1362:
1142:
438:
was reformed and during this process multiple line statutes were written, allowing homeowner's policies to become legal.
3076:
3020:
2625:
2414:
1662:
1563:
3199:
3194:
3025:
3015:
2582:
2231:
1928:
1874:
1548:
1713:
1440:
2682:
2572:
1879:
1743:
1637:
115:
policy that combines various personal insurance protections, which can include losses occurring to one's home, its
127:
insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory.
2630:
2527:
2479:
1958:
1847:
1657:
1558:
454:
776:
language. This is an equivalent of both
Coverage A and B in homeowners insurance policies in the United States.
2542:
2331:
2083:
1953:
1933:
1601:
1553:
160:
1988:
988:
200:
or is equipped with fire sprinklers and fire alarms; if the house exhibits wind mitigation measures, such as
2824:
2713:
2562:
2134:
1923:
1791:
1738:
1596:
1586:
1475:
1392:
2924:
2884:
2650:
2226:
1859:
1687:
833:
209:
2985:
2965:
2939:
2929:
2889:
2757:
2718:
2620:
2577:
2567:
2552:
2532:
2241:
2127:
2056:
1911:
1796:
1118:
31:
1758:
1242:
What can I do if my mortgage lender or servicer is charging me for force-placed homeowner’s insurance?
1062:
915:
3146:
2899:
2829:
2692:
2635:
2557:
2547:
2537:
2472:
2350:
2293:
1916:
1896:
1723:
1611:
1531:
1042:
1375:
3056:
2879:
2874:
2708:
2613:
2608:
2409:
2404:
2399:
2384:
2246:
2206:
1968:
1938:
1806:
1667:
1591:
1581:
216:
143:
1121:: American Institute for Chartered Property Casualty Underwriters/Insurance Institute of America.
184:
If insufficient coverage is purchased to rebuild the home, the claim's payout may be subject to a
3158:
3106:
2980:
2934:
2914:
2747:
2728:
2670:
2645:
2452:
2445:
2357:
2236:
2161:
1978:
1943:
1854:
1811:
1781:
1753:
1748:
1718:
1692:
1516:
1468:
1326:
843:
828:
201:
139:
123:(additional living expenses), or loss of other personal possessions of the homeowner, as well as
116:
104:
3010:
2819:
2802:
2762:
2687:
2677:
2655:
2640:
2306:
2176:
2068:
2032:
2022:
1983:
1973:
1901:
1891:
1821:
1318:
1269:
1167:
1122:
1013:
848:
417:
Home insurance in the United States may differ from other countries; for example, in
Britain,
391:
288:
176:
152:
108:
1263:
3030:
3005:
2904:
2846:
2807:
2767:
2419:
2374:
2319:
2311:
2301:
2078:
2002:
1842:
1816:
1801:
1708:
1526:
1508:
1308:
524:
will investigate the claim and the insured may be required to provide various information.
2894:
2841:
2431:
2394:
2370:
2171:
2166:
2146:
2105:
2100:
2047:
2042:
1906:
1886:
1763:
1728:
1350:
1076:
521:
205:
164:
124:
382:
3121:
3101:
3061:
3000:
2782:
2752:
2337:
2186:
1869:
1627:
1573:
737:
541:
478:
197:
138:
Homeowner's policy is a multiple-line insurance policy, meaning that it includes both
3188:
2919:
2851:
2836:
2665:
2140:
2061:
2009:
1948:
1786:
1652:
1111:
435:
402:
398:
1330:
17:
3091:
2990:
2975:
2949:
2772:
2738:
2389:
2201:
2196:
2156:
2117:
802:
As with most insurance policies, there are always exclusions. The most common are:
355:
185:
871:
3116:
2970:
2792:
2787:
2660:
2495:
2424:
2379:
2052:
1837:
1313:
1296:
529:
446:
120:
1149:
422:
example, many believe that mold is covered when it is not a standard coverage.
3071:
2944:
2323:
2315:
2191:
2112:
2073:
2017:
1190:
548:
large increase in the amount of policies sold through price comparison sites.
450:
418:
345:
239:
2365:
2181:
2151:
2122:
1864:
1491:
733:
410:
406:
387:
282:
272:
258:
243:
189:
112:
445:
The need for standardization grew so great that a private company based in
1322:
3051:
2995:
2797:
2723:
2506:
2089:
1295:
Runyan CW, Bangdiwala SI, Linzer MA, Sacks JJ, Butts J (September 1992).
1109:
Wiening, Eric; George Rejda; Constance
Luthardt; Cheryl Ferguson (2002).
815:
Any amount over the limits shown on the policy schedule or in the policy
2027:
1963:
483:
360:
219:, which continues indefinitely, can also be obtained in certain areas.
2856:
1682:
156:
486:, the scope of coverage is prescribed by statute – 718.111(11)(f).
2812:
2342:
1219:"Flsenate Archive: Statutes & Constitution > View Statutes"
729:
381:
350:
277:
263:
1439:
Australian
Securities & Investments Commission (2016-01-07).
965:"Broad causes of loss form (ISO) – Insurance Glossary | IRMI.com"
941:"Basic causes of loss form (ISO) – Insurance Glossary | IRMI.com"
2777:
2037:
293:
267:
253:
2468:
1464:
2464:
916:"Insurers Continue to Improve Their Home Valuations, Says MSB"
365:
228:
all losses except those specifically excluded on your policy.
36:
1460:
818:
Restricted cover when the home is empty or is let to tenants
177:
Replacement value § Home insurance in the United States
766:
Shock caused to the house by animals, vehicles or aircraft
27:
Type of property insurance that covers a private residence
196:
Prices may be lower if the house is situated next to a
57:
99:(often abbreviated in the US real estate industry as
1063:
Homeowners
Confused About Insurance Coverage: Survey
3039:
2958:
2865:
2737:
2701:
2601:
2520:
2292:
2217:
2001:
1830:
1772:
1701:
1620:
1572:
1507:
1498:
1441:"Home & contents insurance – ASIC's MoneySmart"
1039:"Are home foundation repairs covered by insurance?"
52:
may be too technical for most readers to understand
1110:
1200:. National Association of Insurance Commissioners
899:Covered by homeowners insurance? Don't be so sure
401:, most home buyers borrow money in the form of a
1422:"Guide to Home Buildings and Contents Insurance"
989:"Special perils – Insurance Glossary | IRMI.com"
741:only cover the most basic perils listed below:
552:subsidence or has previously been underpinned.
471:National Association of Insurance Commissioners
159:or war (whose definition typically includes a
3127:List of housing markets by real estate prices
2480:
1476:
8:
1014:"Shifting Soil Threatens Homes' Foundations"
1084:Proceedings of the Casualty Actuary Society
3167:
2487:
2473:
2465:
1504:
1483:
1469:
1461:
1297:"Risk factors for fatal residential fires"
540:As in the US, mortgage lenders within the
532:receiving data from 98% of U.S. insurers.
1312:
894:
892:
890:
888:
886:
884:
882:
880:
80:Learn how and when to remove this message
64:, without removing the technical details.
564:
860:
1363:Claims that boost your insurance rates
1236:Consumer Financial Protection Bureau.
1172:: CS1 maint: archived copy as title (
1165:
760:Breakage of glass or sanitary fittings
465:Types of homeowners insurance policies
1416:
1414:
1412:
1387:
1385:
1185:
1183:
62:make it understandable to non-experts
7:
3154:
869:Modern Real Estate Practice in Texas
215:Typically payment is made annually.
1265:The I.I.I. Insurance Fact Book 2008
1238:"Consumer Education > Mortgages"
3112:Undergraduate real estate programs
1522:Accidental death and dismemberment
1428:. Association of British Insurers.
839:Owner-controlled insurance program
812:Mechanical or electrical breakdown
328:Artificially generated electricity
25:
2910:Investment rating for real estate
1393:"UK Insurance Key Facts 2014 ABI"
1041:. Webcite archive. Archived from
806:General wear-and-tear maintenance
316:Falling objects (e.g. tree limbs)
3166:
3153:
3141:
3140:
1648:Directors and officers liability
763:Damage from escaped water or oil
577:Premium volume (2013, USD Mil):
561:Premium volume by country (2013)
41:
1103:
1077:"Homeowners – The First Decade"
1075:Hunt, Frederick J. Jr. (1962).
509:Insurance Information Institute
497:collateral protection insurance
490:Collateral protection insurance
3067:Graduate real estate education
2512:Tertiary sector of the economy
724:Building and contents coverage
338:Special-form excluded perils:
1:
430:The first homeowner's policy
3021:Real estate investment trust
2626:Extraterrestrial real estate
2415:Savings and loan association
757:Subsidence, drag or landslip
409:will waive the need for the
3026:Real property administrator
3016:Real estate investment club
1848:Insurance-linked securities
1314:10.1056/NEJM199209173271207
1012:Murphy, Kate (2010-03-03).
306:Broad-form covered perils:
249:Basic-form covered perils:
3216:
2683:Private equity real estate
1537:Total permanent disability
174:
29:
3135:
2631:International real estate
2502:
2440:
2277:Health insurance coverage
1542:Business overhead expense
754:Falling trees or branches
455:Insurance Services Office
313:Burglary, break-in damage
246:or unoccupied buildings.
208:and has insurer-approved
1678:Protection and indemnity
1344:A-PLUS Property Database
920:www.insurancejournal.com
204:; or if the house has a
2825:Real estate transaction
2714:Real estate development
2135:Explanation of benefits
1607:Variable universal life
325:Accidental water damage
95:, also commonly called
32:homeowners' association
2925:Real estate derivative
2885:Effective gross income
2651:Healthcare real estate
2272:Health insurance costs
1673:Professional liability
1065:. InsuranceJournal.com
834:Home equity protection
785:is readily available.
751:Lightning or explosion
507:According to the 2008
394:
319:Weight of ice and snow
3082:Industry trade groups
2986:Exclusive buyer agent
2940:Real estate valuation
2930:Real estate economics
2890:Gross rent multiplier
2719:Real estate investing
2621:Corporate Real Estate
2128:Out-of-pocket expense
1989:Workers' compensation
1643:Collateral protection
1633:Business interruption
1119:Malvern, Pennsylvania
536:In the United Kingdom
385:
310:All basic-form perils
175:Further information:
97:homeowner's insurance
2900:Highest and best use
2866:Economics, financing
2830:Real estate contract
2724:Real estate flipping
2693:Residential property
2636:Lease administration
2588:United Arab Emirates
2351:Corpus Juris Civilis
1268:. 2008. p. 85.
1045:on February 17, 2012
469:According to a 2018
378:In the United States
322:Freezing of plumbing
301:Broad "named perils"
236:Basic "named perils"
18:Homeowners insurance
2880:Capitalization rate
2875:Asset-based lending
2709:Property management
2614:Commercial building
2609:Commercial property
2410:Rochdale Principles
2405:Mutual savings bank
2400:Mutual organization
2385:Cooperative banking
2302:Mesopotamian banker
1582:Longevity insurance
217:Perpetual insurance
3200:Property insurance
3195:Types of insurance
3107:Real estate trends
3011:Real estate broker
2981:Chartered Surveyor
2935:Real estate bubble
2915:Mortgage insurance
2748:Adverse possession
2671:Luxury real estate
2646:Garden real estate
2162:Insurable interest
1663:Payment protection
1564:Payment protection
1349:2013-05-16 at the
1113:Personal Insurance
1037:Ellison, Jeffery.
1018:The New York Times
867:Nance CP. (2003).
844:Property insurance
829:Mortgage insurance
809:Faulty workmanship
789:Liability coverage
728:Countries such as
395:
333:Special "all risk"
296:or civil commotion
202:hurricane shutters
140:property insurance
105:property insurance
3182:
3181:
2820:Property abstract
2803:Land registration
2763:Concurrent estate
2688:Real estate owned
2678:Off-plan property
2656:Vacation property
2641:Niche real estate
2462:
2461:
2307:Code of Hammurabi
2282:Vehicle insurance
2177:Replacement value
2069:Actual cash value
2033:Adverse selection
2023:Actuarial science
1997:
1996:
1929:Kidnap and ransom
1902:Extended warranty
1549:Income protection
1445:moneysmart.gov.au
849:Renters insurance
798:Common exclusions
780:Contents coverage
771:Building coverage
721:
720:
392:Hurricane Katrina
289:vehicle collision
161:nuclear explosion
153:insurance company
109:private residence
90:
89:
82:
16:(Redirected from
3207:
3170:
3169:
3157:
3156:
3144:
3143:
3087:Investment firms
3006:Property manager
2905:Home equity loan
2808:Leasehold estate
2768:Conditional sale
2489:
2482:
2475:
2466:
2420:Social insurance
2375:Friendly society
2267:Health insurance
2095:Short rate table
1843:Catastrophe bond
1744:Lenders mortgage
1505:
1485:
1478:
1471:
1462:
1455:
1454:
1452:
1451:
1436:
1430:
1429:
1418:
1407:
1406:
1404:
1403:
1389:
1380:
1379:
1372:
1366:
1360:
1354:
1341:
1335:
1334:
1316:
1292:
1286:
1285:
1283:
1282:
1260:
1254:
1253:
1251:
1249:
1233:
1227:
1226:
1215:
1209:
1208:
1206:
1205:
1195:
1187:
1178:
1177:
1171:
1163:
1161:
1160:
1154:
1148:. Archived from
1147:
1139:
1133:
1132:
1117:(1st ed.).
1116:
1107:
1100:
1094:
1093:
1091:
1090:
1081:
1072:
1066:
1060:
1054:
1053:
1051:
1050:
1034:
1028:
1027:
1025:
1024:
1009:
1003:
1002:
1000:
999:
985:
979:
978:
976:
975:
961:
955:
954:
952:
951:
937:
931:
930:
928:
927:
922:. 12 August 2013
912:
906:
896:
875:
865:
565:
556:Around the world
373:Intentional acts
342:Ordinance of law
103:), is a type of
85:
78:
74:
71:
65:
45:
44:
37:
21:
3215:
3214:
3210:
3209:
3208:
3206:
3205:
3204:
3185:
3184:
3183:
3178:
3131:
3035:
2954:
2895:Hard money loan
2867:
2861:
2842:Rent regulation
2733:
2697:
2597:
2516:
2498:
2493:
2463:
2458:
2436:
2432:Insurance cycle
2395:Fraternal order
2288:
2219:
2213:
2172:Proximate cause
2167:Insurance fraud
2147:General average
2106:Claims adjuster
2048:Risk management
2043:Risk assessment
2007:
2004:
1993:
1959:Prize indemnity
1826:
1774:
1768:
1697:
1658:Over-redemption
1616:
1568:
1559:National health
1500:
1494:
1489:
1459:
1458:
1449:
1447:
1438:
1437:
1433:
1420:
1419:
1410:
1401:
1399:
1391:
1390:
1383:
1376:"Newsroom | AA"
1374:
1373:
1369:
1365:. Bankrate.com.
1361:
1357:
1351:Wayback Machine
1342:
1338:
1301:N. Engl. J. Med
1294:
1293:
1289:
1280:
1278:
1276:
1262:
1261:
1257:
1247:
1245:
1235:
1234:
1230:
1217:
1216:
1212:
1203:
1201:
1193:
1189:
1188:
1181:
1164:
1158:
1156:
1152:
1145:
1143:"Archived copy"
1141:
1140:
1136:
1129:
1108:
1102:
1101:
1097:
1088:
1086:
1079:
1074:
1073:
1069:
1061:
1057:
1048:
1046:
1036:
1035:
1031:
1022:
1020:
1011:
1010:
1006:
997:
995:
987:
986:
982:
973:
971:
963:
962:
958:
949:
947:
939:
938:
934:
925:
923:
914:
913:
909:
903:WebCite archive
897:
878:
866:
862:
857:
825:
613:United Kingdom
558:
538:
522:claims adjuster
518:
505:
492:
467:
428:
380:
225:
206:security system
179:
173:
165:flood insurance
136:
86:
75:
69:
66:
58:help improve it
55:
46:
42:
35:
28:
23:
22:
15:
12:
11:
5:
3213:
3211:
3203:
3202:
3197:
3187:
3186:
3180:
3179:
3177:
3176:
3173:List of topics
3163:
3150:
3136:
3133:
3132:
3130:
3129:
3124:
3122:Urban planning
3119:
3114:
3109:
3104:
3102:Property cycle
3099:
3094:
3089:
3084:
3079:
3074:
3069:
3064:
3062:Gentrification
3059:
3054:
3049:
3043:
3041:
3037:
3036:
3034:
3033:
3028:
3023:
3018:
3013:
3008:
3003:
3001:Moving company
2998:
2993:
2988:
2983:
2978:
2973:
2968:
2962:
2960:
2956:
2955:
2953:
2952:
2947:
2942:
2937:
2932:
2927:
2922:
2917:
2912:
2907:
2902:
2897:
2892:
2887:
2882:
2877:
2871:
2869:
2863:
2862:
2860:
2859:
2854:
2849:
2844:
2839:
2834:
2833:
2832:
2822:
2817:
2816:
2815:
2805:
2800:
2795:
2790:
2785:
2783:Eminent domain
2780:
2775:
2770:
2765:
2760:
2755:
2753:Chain of title
2750:
2744:
2742:
2741:and regulation
2735:
2734:
2732:
2731:
2726:
2721:
2716:
2711:
2705:
2703:
2699:
2698:
2696:
2695:
2690:
2685:
2680:
2675:
2674:
2673:
2668:
2663:
2658:
2653:
2648:
2638:
2633:
2628:
2623:
2618:
2617:
2616:
2605:
2603:
2599:
2598:
2596:
2595:
2593:United Kingdom
2590:
2585:
2580:
2575:
2570:
2565:
2560:
2555:
2550:
2545:
2540:
2535:
2530:
2524:
2522:
2518:
2517:
2515:
2514:
2509:
2503:
2500:
2499:
2494:
2492:
2491:
2484:
2477:
2469:
2460:
2459:
2457:
2456:
2453:List of topics
2449:
2441:
2438:
2437:
2435:
2434:
2429:
2428:
2427:
2422:
2417:
2412:
2407:
2402:
2397:
2392:
2387:
2382:
2368:
2363:
2362:
2361:
2347:
2346:
2345:
2340:
2338:Burial society
2328:
2327:
2326:
2320:§235–238; §240
2312:§100–105; §126
2304:
2298:
2296:
2290:
2289:
2287:
2286:
2285:
2284:
2279:
2274:
2269:
2264:
2262:Climate change
2254:
2252:United Kingdom
2249:
2244:
2239:
2234:
2229:
2223:
2221:
2215:
2214:
2212:
2211:
2210:
2209:
2199:
2197:Underinsurance
2194:
2189:
2187:Self-insurance
2184:
2179:
2174:
2169:
2164:
2159:
2154:
2149:
2144:
2137:
2132:
2131:
2130:
2125:
2120:
2110:
2109:
2108:
2098:
2097:
2096:
2093:
2081:
2076:
2071:
2066:
2065:
2064:
2059:
2050:
2045:
2040:
2035:
2030:
2020:
2014:
2012:
1999:
1998:
1995:
1994:
1992:
1991:
1986:
1981:
1976:
1971:
1966:
1961:
1956:
1954:Political risk
1951:
1946:
1941:
1936:
1934:Legal expenses
1931:
1926:
1921:
1920:
1919:
1909:
1904:
1899:
1894:
1889:
1884:
1883:
1882:
1877:
1867:
1862:
1857:
1852:
1851:
1850:
1845:
1834:
1832:
1828:
1827:
1825:
1824:
1819:
1814:
1809:
1804:
1799:
1794:
1789:
1784:
1778:
1776:
1770:
1769:
1767:
1766:
1761:
1756:
1751:
1746:
1741:
1736:
1731:
1726:
1721:
1716:
1714:Builder's risk
1711:
1705:
1703:
1699:
1698:
1696:
1695:
1690:
1685:
1680:
1675:
1670:
1665:
1660:
1655:
1650:
1645:
1640:
1638:Business owner
1635:
1630:
1624:
1622:
1618:
1617:
1615:
1614:
1609:
1604:
1602:Universal life
1599:
1594:
1589:
1584:
1578:
1576:
1570:
1569:
1567:
1566:
1561:
1556:
1554:Long-term care
1551:
1546:
1545:
1544:
1539:
1529:
1524:
1519:
1513:
1511:
1502:
1496:
1495:
1490:
1488:
1487:
1480:
1473:
1465:
1457:
1456:
1431:
1408:
1381:
1367:
1355:
1336:
1307:(12): 859–63.
1287:
1274:
1255:
1228:
1210:
1179:
1134:
1127:
1095:
1067:
1055:
1029:
1004:
980:
956:
932:
907:
876:
859:
858:
856:
853:
852:
851:
846:
841:
836:
831:
824:
821:
820:
819:
816:
813:
810:
807:
768:
767:
764:
761:
758:
755:
752:
749:
746:
745:Storm or flood
738:United Kingdom
719:
718:
715:
712:
709:
705:
704:
701:
698:
695:
691:
690:
687:
684:
681:
677:
676:
673:
670:
667:
663:
662:
659:
656:
653:
649:
648:
645:
642:
639:
635:
634:
631:
628:
625:
621:
620:
617:
614:
611:
607:
606:
603:
600:
597:
593:
592:
589:
586:
585:United States
583:
579:
578:
575:
572:
569:
557:
554:
542:United Kingdom
537:
534:
517:
516:Claims process
514:
504:
503:Causes of loss
501:
491:
488:
479:blanket policy
466:
463:
427:
424:
379:
376:
375:
374:
371:
370:Nuclear hazard
368:
363:
358:
353:
348:
343:
330:
329:
326:
323:
320:
317:
314:
311:
298:
297:
291:
285:
280:
275:
270:
261:
256:
224:
223:Covered perils
221:
172:
169:
135:
132:
107:that covers a
93:Home insurance
88:
87:
49:
47:
40:
26:
24:
14:
13:
10:
9:
6:
4:
3:
2:
3212:
3201:
3198:
3196:
3193:
3192:
3190:
3175:
3174:
3164:
3162:
3161:
3151:
3149:
3148:
3138:
3137:
3134:
3128:
3125:
3123:
3120:
3118:
3115:
3113:
3110:
3108:
3105:
3103:
3100:
3098:
3095:
3093:
3090:
3088:
3085:
3083:
3080:
3078:
3075:
3073:
3070:
3068:
3065:
3063:
3060:
3058:
3055:
3053:
3050:
3048:
3045:
3044:
3042:
3038:
3032:
3029:
3027:
3024:
3022:
3019:
3017:
3014:
3012:
3009:
3007:
3004:
3002:
2999:
2997:
2994:
2992:
2989:
2987:
2984:
2982:
2979:
2977:
2974:
2972:
2969:
2967:
2964:
2963:
2961:
2957:
2951:
2948:
2946:
2943:
2941:
2938:
2936:
2933:
2931:
2928:
2926:
2923:
2921:
2920:Mortgage loan
2918:
2916:
2913:
2911:
2908:
2906:
2903:
2901:
2898:
2896:
2893:
2891:
2888:
2886:
2883:
2881:
2878:
2876:
2873:
2872:
2870:
2868:and valuation
2864:
2858:
2855:
2853:
2852:Torrens title
2850:
2848:
2845:
2843:
2840:
2838:
2837:Real property
2835:
2831:
2828:
2827:
2826:
2823:
2821:
2818:
2814:
2811:
2810:
2809:
2806:
2804:
2801:
2799:
2796:
2794:
2791:
2789:
2786:
2784:
2781:
2779:
2776:
2774:
2771:
2769:
2766:
2764:
2761:
2759:
2756:
2754:
2751:
2749:
2746:
2745:
2743:
2740:
2736:
2730:
2727:
2725:
2722:
2720:
2717:
2715:
2712:
2710:
2707:
2706:
2704:
2700:
2694:
2691:
2689:
2686:
2684:
2681:
2679:
2676:
2672:
2669:
2667:
2666:Golf property
2664:
2662:
2659:
2657:
2654:
2652:
2649:
2647:
2644:
2643:
2642:
2639:
2637:
2634:
2632:
2629:
2627:
2624:
2622:
2619:
2615:
2612:
2611:
2610:
2607:
2606:
2604:
2600:
2594:
2591:
2589:
2586:
2584:
2581:
2579:
2576:
2574:
2571:
2569:
2566:
2564:
2561:
2559:
2556:
2554:
2551:
2549:
2546:
2544:
2541:
2539:
2536:
2534:
2531:
2529:
2526:
2525:
2523:
2519:
2513:
2510:
2508:
2505:
2504:
2501:
2497:
2490:
2485:
2483:
2478:
2476:
2471:
2470:
2467:
2455:
2454:
2450:
2448:
2447:
2443:
2442:
2439:
2433:
2430:
2426:
2423:
2421:
2418:
2416:
2413:
2411:
2408:
2406:
2403:
2401:
2398:
2396:
2393:
2391:
2388:
2386:
2383:
2381:
2378:
2377:
2376:
2372:
2369:
2367:
2364:
2360:
2359:
2355:
2354:
2353:
2352:
2348:
2344:
2341:
2339:
2336:
2335:
2334:
2333:
2329:
2325:
2321:
2317:
2313:
2310:
2309:
2308:
2305:
2303:
2300:
2299:
2297:
2295:
2291:
2283:
2280:
2278:
2275:
2273:
2270:
2268:
2265:
2263:
2260:
2259:
2258:
2257:United States
2255:
2253:
2250:
2248:
2245:
2243:
2240:
2238:
2235:
2233:
2230:
2228:
2225:
2224:
2222:
2216:
2208:
2205:
2204:
2203:
2200:
2198:
2195:
2193:
2190:
2188:
2185:
2183:
2180:
2178:
2175:
2173:
2170:
2168:
2165:
2163:
2160:
2158:
2155:
2153:
2150:
2148:
2145:
2143:
2142:
2141:Force majeure
2138:
2136:
2133:
2129:
2126:
2124:
2121:
2119:
2116:
2115:
2114:
2111:
2107:
2104:
2103:
2102:
2099:
2094:
2092:
2091:
2087:
2086:
2085:
2082:
2080:
2077:
2075:
2072:
2070:
2067:
2063:
2062:Value of life
2060:
2058:
2054:
2051:
2049:
2046:
2044:
2041:
2039:
2036:
2034:
2031:
2029:
2026:
2025:
2024:
2021:
2019:
2016:
2015:
2013:
2011:
2006:
2000:
1990:
1987:
1985:
1982:
1980:
1977:
1975:
1972:
1970:
1967:
1965:
1962:
1960:
1957:
1955:
1952:
1950:
1947:
1945:
1942:
1940:
1937:
1935:
1932:
1930:
1927:
1925:
1924:Interest rate
1922:
1918:
1915:
1914:
1913:
1910:
1908:
1905:
1903:
1900:
1898:
1895:
1893:
1890:
1888:
1885:
1881:
1878:
1876:
1873:
1872:
1871:
1868:
1866:
1863:
1861:
1858:
1856:
1853:
1849:
1846:
1844:
1841:
1840:
1839:
1836:
1835:
1833:
1829:
1823:
1820:
1818:
1815:
1813:
1810:
1808:
1805:
1803:
1800:
1798:
1795:
1793:
1792:Inland marine
1790:
1788:
1787:GAP insurance
1785:
1783:
1780:
1779:
1777:
1775:Communication
1771:
1765:
1762:
1760:
1757:
1755:
1752:
1750:
1747:
1745:
1742:
1740:
1737:
1735:
1732:
1730:
1727:
1725:
1722:
1720:
1717:
1715:
1712:
1710:
1707:
1706:
1704:
1700:
1694:
1691:
1689:
1686:
1684:
1681:
1679:
1676:
1674:
1671:
1669:
1666:
1664:
1661:
1659:
1656:
1654:
1651:
1649:
1646:
1644:
1641:
1639:
1636:
1634:
1631:
1629:
1626:
1625:
1623:
1619:
1613:
1610:
1608:
1605:
1603:
1600:
1598:
1597:Unitised fund
1595:
1593:
1590:
1588:
1587:Mortgage life
1585:
1583:
1580:
1579:
1577:
1575:
1571:
1565:
1562:
1560:
1557:
1555:
1552:
1550:
1547:
1543:
1540:
1538:
1535:
1534:
1533:
1530:
1528:
1525:
1523:
1520:
1518:
1515:
1514:
1512:
1510:
1506:
1503:
1497:
1493:
1486:
1481:
1479:
1474:
1472:
1467:
1466:
1463:
1446:
1442:
1435:
1432:
1427:
1423:
1417:
1415:
1413:
1409:
1398:
1394:
1388:
1386:
1382:
1377:
1371:
1368:
1364:
1359:
1356:
1352:
1348:
1345:
1340:
1337:
1332:
1328:
1324:
1320:
1315:
1310:
1306:
1302:
1298:
1291:
1288:
1277:
1275:9780932387530
1271:
1267:
1266:
1259:
1256:
1243:
1239:
1232:
1229:
1224:
1220:
1214:
1211:
1199:
1192:
1186:
1184:
1180:
1175:
1169:
1155:on 2020-08-25
1151:
1144:
1138:
1135:
1130:
1128:0-89463-108-X
1124:
1120:
1115:
1114:
1106:
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1068:
1064:
1059:
1056:
1044:
1040:
1033:
1030:
1019:
1015:
1008:
1005:
994:
990:
984:
981:
970:
966:
960:
957:
946:
942:
936:
933:
921:
917:
911:
908:
904:
901:. CNN Money.
900:
895:
893:
891:
889:
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885:
883:
881:
877:
873:
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864:
861:
854:
850:
847:
845:
842:
840:
837:
835:
832:
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436:insurance law
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3092:Land banking
2991:Land banking
2976:Buyer broker
2950:Rental value
2773:Conveyancing
2583:Saudi Arabia
2451:
2444:
2390:Credit union
2356:
2349:
2330:
2202:Underwriting
2157:Insurability
2139:
2118:Co-insurance
2088:
2084:Cancellation
1875:Catastrophic
1860:Climate risk
1733:
1688:Trade credit
1448:. Retrieved
1444:
1434:
1425:
1400:. Retrieved
1396:
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1279:. Retrieved
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1241:
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1223:flsenate.gov
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1202:. Retrieved
1197:
1157:. Retrieved
1150:the original
1137:
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711:Netherlands
683:South Korea
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287:Aircraft or
248:
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198:fire station
195:
186:co-insurance
183:
180:
149:
137:
129:
100:
96:
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91:
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67:
51:
3117:Urban decay
2971:Buyer agent
2793:Foreclosure
2788:Encumbrance
2661:Arable land
2573:Puerto Rico
2521:By location
2496:Real estate
2425:Trade union
2380:Cooperative
2053:Uncertainty
1912:Index-based
1880:Multi-peril
1838:Reinsurance
1797:Public auto
1702:Residential
568:World rank
530:Choicepoint
447:Jersey City
390:damaged by
212:installed.
121:loss of use
111:. It is an
3189:Categories
3072:Green belt
2945:Remortgage
2729:Relocation
2528:Bangladesh
2220:by country
2218:Insurance
2192:Total loss
2113:Deductible
2074:Cash value
2018:Act of God
2003:Insurance
1917:Parametric
1897:Expatriate
1773:Transport/
1739:Landlords'
1724:Earthquake
1612:Whole life
1532:Disability
1450:2016-06-08
1426:abi.org.uk
1402:2016-06-14
1397:abi.org.uk
1281:2014-01-02
1248:11 January
1204:2016-06-14
1159:2020-09-01
1089:2014-01-02
1049:2014-01-02
1023:2014-01-02
998:2016-06-07
974:2016-06-07
950:2016-06-07
926:2016-01-17
855:References
736:, and the
591:1,259,255
451:New Jersey
419:subsidence
386:A home in
346:Earthquake
240:total loss
3057:Filtering
3047:Companies
2966:Appraiser
2847:Severance
2543:Indonesia
2366:Syndicate
2332:Collegium
2227:Australia
2182:Risk pool
2152:Indemnity
2123:Copayment
2057:Knightian
1969:Terrorism
1939:Liability
1807:Satellite
1668:Pollution
1592:Term life
1501:insurance
1499:Types of
1492:Insurance
734:Australia
700:Americas
588:Americas
411:mortgagor
407:mortgagee
388:Louisiana
283:Vandalism
273:Explosion
264:Windstorm
259:Lightning
190:CoreLogic
144:liability
125:liability
113:insurance
3147:Category
3052:Eviction
2996:Landlord
2798:Land law
2563:Pakistan
2507:Property
2446:Category
2324:§275–277
2242:Pakistan
2090:Pro rata
1979:War risk
1944:No-fault
1855:Casualty
1812:Shipping
1782:Aviation
1759:Renters'
1754:Property
1749:Mortgage
1719:Contents
1693:Umbrella
1653:Fidelity
1621:Business
1517:Accident
1347:Archived
1331:40069855
1198:NAIC.com
1168:cite web
993:irmi.com
969:irmi.com
945:irmi.com
823:See also
717:101,140
703:125,344
689:145,427
675:168,544
661:247,162
655:Germany
647:254,754
633:277,965
619:329,643
605:531,506
571:Country
134:Overview
117:contents
70:May 2016
3160:Commons
3077:Indices
2959:Parties
2758:Closing
2702:Sectors
2371:Benefit
2358:Digesta
2294:History
2028:Actuary
1984:Weather
1974:Tuition
1964:Takaful
1892:Deposit
1822:Vehicle
1323:1508246
714:Europe
697:Canada
672:Europe
658:Europe
644:Europe
641:France
616:Europe
574:Region
484:Florida
426:History
397:In the
361:Neglect
171:Pricing
56:Please
3165:
3152:
3139:
3097:People
3031:Tenant
2857:Zoning
2578:Russia
2568:Panama
2553:Turkey
2533:Canada
2247:Serbia
2207:Profit
2079:Broker
2005:policy
1817:Travel
1802:Marine
1709:Boiler
1683:Surety
1527:Dental
1509:Health
1353:. ISO.
1329:
1321:
1272:
1244:. CFPB
1125:
669:Italy
627:China
599:Japan
432:per se
244:vacant
157:floods
3040:Other
2813:Lease
2602:Types
2558:Kenya
2548:Italy
2538:China
2343:Guild
2237:India
2232:China
2101:Claim
1907:Group
1887:Cyber
1865:Crime
1831:Other
1764:Title
1729:Flood
1327:S2CID
1194:(PDF)
1153:(PDF)
1146:(PDF)
1080:(PDF)
872:p. 39
730:China
686:Asia
630:Asia
602:Asia
351:Flood
278:Smoke
210:locks
34:fee).
2778:Deed
2316:§234
2038:Risk
2008:and
1870:Crop
1734:Home
1628:Bond
1574:Life
1319:PMID
1270:ISBN
1250:2022
1174:link
1123:ISBN
748:Fire
294:Riot
268:hail
254:Fire
142:and
2739:Law
2010:law
1949:Pet
1309:doi
1305:327
708:10
366:War
266:or
101:HOI
60:to
3191::
2322:;
2318:;
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1443:.
1424:.
1411:^
1395:.
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20:)
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