The typical homeowners policy has two main sections: Section I covers the property of the insured, and Section II provides personal liability coverage for the insured. Almost anyone who owns or leases property has a need for this type of insurance. Usually, homeowners insurance is required by the lender to obtain a mortgage.
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*Note: this answer is based on the Insurance Services Office’s HO-3 policy. A: The dwelling and other structures on the premises are protected on an “all risks” basis up ...
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