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Before you close on a home, you’ll need to secure homeowners insurance. It’s required by most lenders and offers important protection for you.
What is homeowners insurance?
Homeowners insurance protects your home and belongings from certain types of damage or loss.
What does it cover?
Policies typically include:
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Damage to the structure
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Personal property
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Liability protection
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Additional living expenses if your home becomes uninhabitable
What’s not covered?
Standard policies usually don’t include:
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Flood damage
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Earthquakes
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Certain types of water damage
These may require separate coverage.
How much does it cost?
Premiums vary based on the home, location, and coverage limits. Your lender will require proof of insurance before closing.
Takeaway: Homeowners insurance protects your home, your belongings, and your peace of mind.
If you’re unsure where to start, I can point you toward local insurance providers buyers often work with.
