| Today more than ever the importance of having | | | | Most policies for home insurance will cover a |
| any form of home insurance policy can not be | | | | home under an "All Risks" clause which simply |
| over emphasized and to be honest one never | | | | means that as long as the policy remains |
| knows when something is going to happen to | | | | intact (no non payments) it will cover both |
| either us or our home. | | | | the house and the property inside under any |
| | | | circumstances that are not noted in any |
| Although a homeowner may be completely | | | | exclusion clauses on the policy. |
| devastated when either a sudden or unexpected | | | | |
| loss occurs to their home or personal | | | | In some cases a home will be covered for fire |
| property they do not have to be unprepared to | | | | damage, earthquake damage or acts of |
| deal with such unfortunate events should they | | | | vandalism under an "All Risks" policy, but if |
| strike. | | | | the policy contains a clause that states the |
| | | | home is not covered against flood damage, |
| Not only does home insurance protect you from | | | | then any water damage caused because of a |
| total loss when a disastrous event occurs, | | | | flood would not be covered. |
| but it also helps protect the owner of the | | | | |
| home in case someone who does not live in the | | | | By working closely with their insurance agent |
| property accidentally gets hurt whilst | | | | a homeowner will be prepared for any |
| visiting. | | | | unexpected events and the lack of any sort of |
| | | | home insurance policy will only make a |
| Luckily home insurance will prepare the | | | | disastrous even more devastating on the |
| property owner should their home get damaged | | | | homeowner and their family. |
| by "acts of God" (natural events - flooding, | | | | |
| fire, storm damage etc.) or if someone | | | | So in the end it is vital to have a home |
| happens to get injured and they will not be | | | | insurance policy as it will ultimately |
| held solely responsible for any damage or | | | | provide you with a sense of security for both |
| injury caused. | | | | you and your family. |
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