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In this video you character Emily leans how to get home owners insurance and the steps to take to get home owners insurance 1. to shop around on line or talk to legitimate agents. it also speaks about rules to follow when it comes your home insurance plan.

As to i why I chose this video because i find it be very helpful for who ever see my wall who is interested in get home owners insurance how to actually get it

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How to Get Homeowners Insurance (Home Buying 5/6)

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Basically the video is showing us how home owners insurance cover work. There are 6 coverage but all have a limit as to how much the insurance is willing to to recover or get you back just incase of disasters or damage to your home

As to why i chose this video is because it shows the break down and teams and conditions of your insurance.

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Homeowners Insurance 101 (Home Shopping 4/6)

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in this website its give an detail explanation of home insurance, protections on home insurance and factors that determine cost of home insurance.

As for why i found it to be useful to know my options

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Move-in day, late nights with friends, holiday memories, and Saturday morning cartoons with the kids. Life happens in your home, and we're here to protect it. Your home may be the most significant investment you'll ever make.

As your local insurance experts, we know that each home in Ontario is unique in its own way. From the hustle and bustle of the GTA to the serenity on the water in cottage country. It's not hard to understand why people are proud to call Ontario home.

We understand its vital to protect what's most important to you and your family. Our expert insurance advisors are here to ensure you're protected and provide peace of mind so you can focus on what's important in your life.
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Why Choose Westland?

We know that your insurance needs to match your goals, your lifestyle and your budget. Our expert home insurance advisors get to know you, so that they can tailor a policy to your exact needs.

We'll find the best coverage for you at the right price so that you can continue to live your life the way you want to.

Insurance can be complex sometimes. Let our expert insurance advisors do the heavy lifting! We'll help you find a policy that you feel is the best fit and provides peace of mind. To learn more about the benefits of being a Westland client, Click here.

Home Insurance Explained

There are so many aspects of coverage to a home insurance policy. From the physical home structure to coverages that protect you even when you aren't at home. Your home insurance will cover the damage to your home from any risks outlined in your policy to ensure that you're able to get back to normal as quickly as possible. A few of the risks discussed in a policy include fire, water damage, wind, theft, and vandalism.

And that's just the beginning. We have access to all of the best home insurance products in Canada, so no matter what additional protection you need, we're sure to have a solution for you!

What Factors Determine the Cost of Home Insurance?

Not all homes are the same which means not all policies will cost the same. Aside from the type of policy and coverage that you choose, factors that affect your home insurance price include:

Review Your Insurance and Get a Quote with Westland

Ready to discuss your insurance needs? Our expert advisors are here to review your current insurance policies, discuss your unique needs, and find the perfect motorcycle insurance policy for you. Whether it's over email, the phone or in person we are ready to help! To get started on a quote now and see price estimates for your motorcycle coverage, click the button below. Our advisors will contact you right away and help navigate your risk management needs. Of course, we are always available to talk over the phone or in person. Check out our locations page to connect with an office closest to you!
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Ways to save on your home insurance in Ontario

Mature Customer (55+ years)

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Sprinkler

Water Lead Detection Device

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Mortgage Free

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Optional Protection Available to Enhance Your Coverage

Based on your lifestyle and where your home is located there may be additional coverages available to you, such as:

Identity Theft

Home Based Business

Watercraft

Overland Water

Sewer Backup

Service Line Coverage

Claim Protector

Home Equipment Breakdown

Claims Example

Water damage is the most common claim we see when it comes to home ownership. Pipes can burst unexpectedly and flood spaces in your home. This can cause upwards of $15,000 worth of damage. The right home insurance policy will help mitigate these risks and get you back to your normal as quickly as possible.

Our goal is to find the best coverage for you so that you can continue to live your life the way you want to. To learn more about being a Westland client, click here.

10 Fun Facts About Ontario

1. Ontario is larger than Spain and France...combined! It covers more than one million square kilometres .

2. If you're a fan of Oktoberfest, you'll want to visit Kitchener. Even though it only has 200,000 people, it is the home to the largest celebration outside of Germany.

3. The Great Wayne Gretzky , the all-time leading scorer in the NHL, was born in Brantford in 1961.

4. With half of Toronto's population being born outside of Canada, it has the best restaurant varieties. There are over 8,000 options serving food from around the globe.

5. Niagara Falls consists of three different waterfalls . Horseshoe Falls, American Falls, and Bridal Veil Falls make up this natural wonder.

6. The most Canadian law exists in Ontario. This law states that saying "sorry" isn't an admission of guilt.

7. Lake Ontario is an excellent destination for scuba diving . There is a shipwreck from 1798 that you can check out and a U.S. Air Force c-45 aircraft.

8. Toronto is the only Canadian city that has seven major league sports teams!

9. During the winter, the Rideau Canal in Ottawa becomes the longest skating rink in the world. It spans 7.8 kilometers long.

10. The bottom of Lake Ontario is so cold that skyscrapers use it for their AC as a coolant source.

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Whether you're looking for insurance for your first home or wanting to discuss your existing policy, our team is ready to help. Connect with us today.
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House Insurance Ontario - Westland Insurance

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Protect your Ontario house with Westland Insurance. Explore our comprehensive insurance options tailored to safeguard your property and belongings.

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summary

In this video she is talking about why it is necessary to have home insurance just incase of an emergency, some tips on how to lower your insurance rate and deductible

As to why i chose this video is because it shows us how to save on insurance cost and lower you payments. for example raising your deductible. its a short video but it is encouraging.

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Why

This image depict the coverages available under to you under your home insurance like from floods, earthquakes, tree fall, tornado, fire and thief along with a home owners insurance certification.

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why

This is a simple picture with not much to show or talk about but i just wanted to include this picture to show some thing closer to home and to show that Ontario got us covered as well.

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summary : On this website you will see again there definition of a home owners insurance the advantages and disadvantages of having home owners insurance along with possible cost of insurance, the terms and condition and coverages.

As for why i choose this website is because is gives a break down of the home insurance what to look for and the cost and effect of the insurance meant what to expect and what no to.

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Wellington Florida Homes for Sale & Real Estate

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Purchasing a new home is a big decision, and that's why it is exciting but also stressful. It can take a considerable amount of time and savings to get to the point where you can afford to take out a mortgage and buy a home. Since this is a huge financial investment, it is very important that you also purchase homeowners insurance . However, like any other type of insurance, home insurance has its own advantages and disadvantages.

Understanding what they are can help you decide whether you should purchase homeowners insurance or not. Read on to learn more about home insurance, including the pros and cons that it has to offer.

What is Home Insurance?

Home insurance is an insurance policy that covers the costs and damage to insured property, such as your home. It's a necessity that protects your home and possessions against theft or damage. Usually, the policy covers interior damage, exterior damage, damage or loss of personal assets, and injury that arises while on the property.

Typical types of home insurance policies include comprehensive, basic, broad, and no-frills coverages. They differ depending on a list of factors including the type and size of the residence, age, replacement value, etc. Make sure you look for a brokerage with competitive rates, where you can get multiple quotes for home insurance that best suit your needs and preferences. It's always a good idea to look around before you decide to purchase one.

Types of Coverage

One of the most inclusive home insurance policies is comprehensive coverage, which covers both the house and its contents for all risks, except for those that are specifically excluded. A basic, or named perils policy can help you save money, however, it carries the financial risk of some losses, as it covers only those perils that are specifically stated.

A broad insurance policy, on the other hand, is a mid-priced compromise between comprehensive and basic coverage. It provides coverage for the home and named perils coverage on the contents.

Advantages of Having Home Insurance Coverage

One of the best things about having homeowners insurance is that it covers significant damage to your home. It protects against damages that most people wouldn't be able to cover out of their own pocket. Damages such as fire, flood, lightning, and explosions are just a few examples of the protection offered by home insurance policies.

It's good to know that insurance policies also provide coverage for your detached structures, such as garages, fences, sheds, a dog house, and more.

Usually, these structures are covered at up to 10% (or another percentage) of the coverage limit for your main dwelling.

However, you can customize the policy if you want to add coverage for detached structures on your property.

Protection From Lawsuits

For instance, if someone sustains an injury while on your property, you will not be legally liable to pay the costs of that person's medical bills. This is quite beneficial because medical bills can cost thousands of dollars, which means that this aspect of homeowners insurance is a huge advantage.

Disadvantages of Having Home Insurance

The Cost

One of the main reasons why people are wondering whether to purchase home-owners insurance or not is because homeowners insurance can be expensive. The premiums, which need to be paid each month can be quite high, and the cost to maintain the insurance policy is substantial. The premiums are high due to the low deductible that you'll have to pay if you need to make a claim.

Terms and Conditions

The fact is, there are a few hidden costs of home-owners insurance that policyholders are unaware of because they're buried in the terms and conditions. Working with a reliable real estate agent or a broker, however, may help you figure out what these hidden costs are, so you can negotiate.

Does Not Cover Everything

Keep in mind that home-owners insurance doesn't cover every type of damage that your home sustains. Some damages incurred by storms and flood damage in some areas, may not be covered by the policy. That's why it is very important to read up on what each policy specifically provides coverage for, so you can rest easy knowing that your home is protected from certain damages.

Final Thoughts

Opting for a suitable policy is a big decision that homeowners need to make, so being aware of the pros and cons might help you choose the right one for you.

Remember, when shopping for a policy, get multiple quotes and consult with a reliable insurance broker or agent to discuss the best coverage that will work for you. You can also check with any insurer you're already working with because some companies write both home and auto insurance, so you might get a discount bundling your policies.

Just keep in mind sometimes the cheapest home insurance is not the best insurance, which is why it's so important to work with the best home insurance company and understand your policy coverage.
Please consider spreading the word and sharing; 5 Advantages and Disadvantages of Having Homeowners Insurance
There are many advantages and disadvantages of having homeowners insurance and here are the top 5 things to consider before buying a policy. #homeinsurance #insurancepolicy

About the Author

Top Wellington Realtor, Michelle Gibson, wrote: "5 Advantages and Disadvantages of Having Homeowners Insurance"

Michelle has been specializing in residential real estate since 2001 throughout Wellington Florida and the surrounding area. Whether you're looking to buy, sell or rent she will guide you through the entire real estate transaction. If you're ready to put Michelle's knowledge and expertise to work for you call or e-mail her today.

Areas of service include Wellington, Lake Worth, Royal Palm Beach, Boynton Beach, West Palm Beach, Loxahatchee, Greenacres, and more.

5 Advantages and Disadvantages of Having Homeowners Insurance

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5 Advantages and Disadvantages of Having Home Insurance

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There are many advantages and disadvantages of having home insurance and here are the top 5 things to consider before buying a policy.

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summary

In this video they will talk about what the home owners insurance covers in detail like not to assume that all the necessities' in your home is covered what the bank will and will not do incase you actually need to use your home insurance, and what the insurance can do for you really in that time period of your home been repaired and the liabilities of the insurance and what the insurance companies will actually give you back.

why

I choose this video because i believe this could be helpful to those of us who wish to buy a house can understand the benefits of home insurance just in case they are scared to get one.

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Home Insurance in Canada: What’s covered, what’s not, if premiums are rising and more.

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Summary: On this website they also give there definition of what a home owners insurance is and how does it work. It also speaks about, the type of coverages home insurance covers, insurance mortgages, it also provides a short video about the type of incidents.

As for why i chose this video is because it was very informative.

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What Is Homeowners Insurance?

Homeowners insurance is a form of property insurance that covers losses and damages to an individual's residence, along with furnishings and other assets in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.

Key Takeaways

Understanding Homeowners Insurance

A homeowners insurance policy usually covers four kinds of incidents on the insured property-interior damage, exterior damage, loss or damage of personal assets/belongings, and injury that occurs while on the property-. When a claim is made on any of these incidents, the homeowner will be required to pay a deductible, which in effect is the out-of-pocket costs for the insured.

For example, say a claim is made to an insurer for interior water damage that has occurred in a home. The cost to bring the property back to livable conditions is estimated by a claims adjuster to be $10,000. If the claim is approved, the homeowner is informed of the amount of his or her deductible, say $4,000, according to the policy agreement entered into. The insurance company will issue a payment of the excess cost, in this case, $6,000. The higher the deductible on an insurance contract, the lower the monthly or annual premium on a homeowners insurance policy.

Every homeowners insurance policy has a liability limit, which determines the amount of coverage the insured has should an unfortunate incident occur. The standard limits are usually set at $100,000, but the policyholder can opt for a higher limit. In the event that a claim is made, the liability limit stipulates the percentage of the coverage amount that would go toward replacing or repairing damage to the property structures, personal belongings, and costs to live somewhere else while the property is worked on.

Acts of war or acts of God such as earthquakes or floods are typically excluded from standard homeowners insurance policies. A homeowner who lives in an area prone to these natural disasters may need to get special coverage to insure his or her property from floods or earthquakes. However, most basic homeowners insurance policies cover events like hurricanes and tornadoes.

Homeowners Insurance and Mortgages

When applying for a mortgage, the homeowner usually is required to provide proof of insurance on the property before the financial institution will loan any funds. The property insurance can be acquired separately or by the lending bank. Homeowners who prefer to get their own insurance policy can compare multiple offers and pick the plan that works best for their needs. If the homeowner does not have their property covered from loss or damages, the bank may obtain one for them at an extra cost.

Payments made toward a homeowners insurance policy are usually included in the monthly payments of the homeowner's mortgage. The lending bank that receives the payment allocates the portion for insurance coverage to an escrow account. Once the insurance bill comes due, the amount owed is settled from this escrow account.

Homeowners Insurance vs. Home Warranty

While the terms sound similar, homeowners insurance is different from a home warranty. A home warranty is a contract taken out that provides for repairs or replacements of home systems and appliances such as ovens, water heaters, washers/dryers, and pools. These contracts usually expire after a certain time period, usually 12 months, and are not mandatory for a homeowner to buy in order to qualify for a mortgage. A home warranty covers issues and problems that result from poor maintenance or inevitable wear-and-tear on items-situations in which homeowners insurance doesn't apply.

Homeowners Insurance vs. Mortgage Insurance

A homeowners insurance policy also differs from mortgage insurance. Mortgage insurance is typically required by the bank or mortgage company for homebuyers making a down payment of less than 20% of the cost of the property; the Federal Home Administration also requires it of those taking out an FHA loan. It's an extra fee that can be figured into the regular mortgage payments, or be a lump sum charged when the mortgage is issued.

Mortgage insurance covers the lender for taking on the extra risk of a home buyer who doesn't meet the usual mortgage requirements. If the buyer should default on payments, the mortgage insurance would compensate. Basically, while both deal with residences, homeowners insurance protects the homeowner and mortgage insurance protects the mortgage lender.

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Homeowners insurance is a form of property insurance that covers losses and damages to an individual's residence, along with furnishings and other assets in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.

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Summary: On this website you can see again the definition of home owners insurance, its coverages, what it does not covers, the types of coverages there are out there, what is required of you to get approved and covered by the home owners insurance policies, it also give a break down of how much it might cost.

as to why i chose this we be site was because it carried more examples of you coverages and what you have to do along with a cost breakdown.

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Dwelling and other structures: Home insurance pays to repair or rebuild your home if it is damaged or destroyed by a list of covered incidents such as fire, burglary or lightning. This coverage can also extend to other structures on your property, including detached garages, tool sheds and swimming pools.

Personal property: Homeowners insurance policies also pay to repair or replace belongings, such as your jewelry, clothing and furniture, if they are damaged, destroyed or stolen. You may also purchase extended coverage for expensive items.

Liability: If you or a family member living in your home are responsible for property damage or injury, your policy can help foot the bill for medical bills and legal fees. For example, this coverage could apply to your dog biting a neighbor or a friend slipping and breaking an arm on your front steps.

Additional living expenses: Also called loss of use coverage, additional living expenses (ALE) coverage applies when your home is unlivable due to a covered loss. In this case, your policy will pay for expenses such as housing and food while your home is being repaired or rebuilt.

A homeowners insurance policy is an agreement between you and an insurance company in which you pay monthly or annual premiums in exchange for coverage. When you purchase a policy, you agree to a set of established coverage limits (the amounts of coverage that may be paid out for claims) and deductibles (the amounts you will pay out of pocket when claims arise before your coverage kicks in).

In most cases, dwelling coverage limits are equal to the total cost of rebuilding your home, with other structures and additional living expense limits totaling around 10% of the home's dwelling coverage limit. Personal property coverage limits typically equal around 50% of the dwelling coverage limit and can often be extended with additional coverage for costly items such as fine jewelry, collectibles or artwork.

Most homeowners policies provide a minimum of $100,000 in liability coverage, with the option to increase coverage limits for added financial protection. Home insurance companies also offer policy endorsements, allowing you to customize your policy with added coverages ranging from identity theft prevention to sewage and sump pump overflow protection.

Policy endorsements can vary based on the provider you choose and where you live. We at the Guides Home Team have evaluated dozens of home insurance companies , breaking down their standard policies and optional add-ons to help you compare coverage.

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What Is Homeowners Insurance and How Does It Work?

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What is homeowners insurance? Read our simple guide on home insurance to learn what it is, how it works and how you can secure the best coverage and rates.

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On my wall i will be presenting on 3 different platforms on Home owners insurance.

1. A videos

2. Websites

3. And 2 pictures

what is Homeowners insurance?

Well it plays a pivotal role in protecting one's most valuable asset/ their home. This assignment aims to explore the significance of homeowners insurance in providing financial protection and peace of mind to homeowners. From understanding the different types of coverage available to examining the factors influencing insurance premium. we will gain insight into the importance of adequate coverage, losses and ensuring homeowners' security.

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What is home owners insurance?

Homeowners insurance is a form of property insurance that covers losses and damages to your residence, along with furnishings and other assets in the home.

What are the different type of coverages?

Dwelling, Personal, Liabilities

Advantage of home insurance?

Protects from Law Suite, etc

Disadvantage of home insurance?

Does not cover evey single Thing, etc

Factors to consider when getting home insurance?

Age, location, credit score, etc