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khaghalic | Is home owner's insurance a requirement to have for a townhouse in California? |
Additional Details
What exactly does home owner's insurance cover anyway?
How is this different from theft, earthquake and flood insurance?
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mbrcatz
 |
No, it's not required by law, although the association may want you to carry it, and a lender will require you to carry it if you need to borrow money to buy it.
Fire and theft are "perils insured against". Homeowners insurance is a packaged deal where you get a bunch of coverages, not just fire and theft. You can't pick and choose - you have to take them all - but you get a huge discount over "cafeteria style" insurance. It's much cheaper to buy the package deal than it is to pick and choose which types of coverage you want.
Oh, and flood is always a seperate policy. You need to sit down with an agent to explain all the coverages.
There are actually quite a few different kinds of "homeowners" insurance policies - a townhouse could need a HO3 form, or if there is a master policy in place, a HO6 form. Earthquake is an option - make sure they add it. You also need loss assessment coverage, if there's an association, and backup of sewers & drains. |
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Luckys Charm
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Home owners insurance and rental insurance are good things to have. If someone breaks into your house and still something it covered. |
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Uncle John
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It's required to have anykind of house in california. What it covers, you have to ask an agent. SOme times it covers floods , but not always. It usually covers fires. |
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QandAGuy
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Insurance is not required in California since the only one you are endangering is yourself. But it is not very expensive so why would you NOT buy it?
If you are in a townhouse, usually the HOA would insure the structure (anything on the other side of your drywall). But that still leaves the interior to you- furniture, cabinets, etc. unless the problem is the fault of someone else AND they have insurance. If there isn't an HOA then you should get together with whomever you share the building and get building insurance with the cost split amongst the number of homeowners.
If you are a renter, then check with your landlord that they have insurance. If not, you are at risk if something goes wrong- but most buildings have insurance of some sort.
Earthquake and floods are almost never covered. Earthquake insurance is seldom worth the money given it usually comes with a huge deductible meaning you might as well not insure at all since you'll wind up paying for the repairs yourself.
Flood insurance is usually offered through the government and is also seldom a part of the basic insurance policy- but good to have it you are in a flood plain/region.
So get coverage for your stuff! It' s worth the money. |
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Credit Expert
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If you have a mortgage the lender requires HOI. They will force place it if you don't, increasing your payment. This protects the mortgage company's interest. The loan will be paid off it the house burns down
It covers liability if someone gets hurt on your property as well as theft and fire damages. It also covers loss of use if you have to move out due to repairs. The insurance company will pay your rent until you are able to return to your home, depending on the amount of loss of use coverage.
It does not cover earthquake or flood. You have to buy these
policies separately. |
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insurance_allen
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Hi, this is a specialized webpage about home money saving tips. you can see these suggestion about insurance saving.
http://www.bernanke.cn/insurance-saving-tips.html
Wish it will help you.
Good Luck! |
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