{"id":11619,"date":"2017-05-24T11:56:06","date_gmt":"2017-05-24T11:56:06","guid":{"rendered":"http:\/\/www.anthonydidonato.net\/wordpress\/?p=11619"},"modified":"2017-05-24T11:56:06","modified_gmt":"2017-05-24T11:56:06","slug":"home-insurance-myths-bust-clients","status":"publish","type":"post","link":"https:\/\/www.anthonydidonato.net\/wordpress\/home-insurance-myths-bust-clients\/","title":{"rendered":"Home Insurance Myths to Bust for Your Clients"},"content":{"rendered":"

Home Insurance Myths to Bust for Your Clients<\/h1>\n

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Home Insurance Myths to Bust for Your Clients<\/p><\/div>\n

Most mortgage lenders require borrowers to purchase home insurance, but many buyers may be confused about what their policy covers. Realtor.com\u00ae recently highlighted several common myths consumers believe when it comes to home insurance.<\/p>\n

Myth number one: All of a home’s belongings are covered.<\/strong> “A homeowners insurance policy is not designed to cover everything,” says Jeanne Salvatore, chief communications officer at the Insurance Information Institute. “Each policy clearly sates what’s covered and what’s not.” Personal valuables, for example, aren’t typically covered by a basic policy. “If you have valuable art or fine jewelry inside your house, you might need a scheduled personal property policy to cover these items,” says Laurie Pellouchoud, vice president at Allstate.<\/p>\n

Myth number two: Coverage should be based on the market value of a home.<\/strong> Fifty-two percent of buyers believe they should purchase insurance coverage based on their home’s market value, according to a survey by Insure.com. However, with most insurance policies, rates are based on the cost to rebuild the home, not the value of the property. “In most cases, you need less coverage than the market value of your house,” Salvatore says.<\/p>\n

Myth number three: Flood coverage is included in most standard policies.<\/strong> Flood coverage typically is not included in standard insurance policies. Homeowners who live in an area that is prone to flooding likely will be required to purchase a separate policy to protect themselves. Separate flood insurance is available from the National Flood Insurance Program and some private insurers.\u00a0Even homeowners who live outside a flood zone may be wise to consider buying the extra protection against floods, experts say.<\/p>\n

Source: \u201c6 Home Insurance Myths That\u2019ll Cost You Big-Time,\u201d realtor.com\u00ae (May 23, 2017)<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Home Insurance Myths to Bust for Your Clients   Most mortgage lenders require borrowers to purchase home insurance, but many buyers may be confused about what their policy covers. Realtor.com\u00ae recently highlighted several common myths consumers believe when it comes to home insurance. Myth number one: All of a home’s belongings are covered. “A homeowners … <\/p>\n

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