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Home insurance policies offer coverage to us possible claims that may occur in our home and that may be due to different causes such as lightning, fire, high winds, hail, explosions, hurricanes and even damage that could be caused by private vehicles.

The type of coverage that is hired is relative because it depends on various factors such as the amount insured and the insurance value. Considering all these factors, most insurers are distinguished by offering different types of home insurance today we will discuss:

Basic home insurance.
This is the most economic policy and provides basic coverage for home and for the goods of the same.

Expanded home insurance.
This type of policy offers more extensive coverage for home, for personal property and for most hazards associated with natural disasters, damage by third parties, cuts, etc.

Special home insurance.
Better known as Household Insurance Comprehensive, covers them with all kinds of dangers and contingencies at home, and its corresponding coverage for personal property, except anything that is not listed in the policy.

Landlord Policy.
It is the home insurance mode recommended for those who rent their housing. This policy is to provide comprehensive coverage covers all hazards and even warranty liability. Where to rent your home uninhabitable stay the same, to have this insurance, the company would be the one take care of expenses while your home is repaired.

Insurance for condominium owners.
A condominium is a building that has at least two owners. By hiring this policy, each owner can cover your investment in the property is secured in case of disaster if the other owner does not have this insurance. This type of policy provides liability and warranty coverage at the time to make improvements in the condominium.

Homeowners insurance for older homes.
This insurance offers the same coverage Expanded home insurance, however, in case of accident, the insurer only recognizes the cost of repairs.

Finally, other factors that may affect the cost of insurance, such as content and container home. The content refers to the property that are inside of our home, while the continent refers to the structure of the house (walls, plumbing, electrical, roofs, doors, etc..)

Thus, if the continent’s home is expensive, as is the case that the home has marble cladding, the insurance premium will be higher, because in case of damage, will be more expensive for the company to repair their damage.