List of American Family Insurance Coverage

The United States is a developed country, and many people want to immigrate to the United States. What about the protection of American Fangbao? I am here to sort out the coverage of home insurance in the United States, hoping to help you.

1. When personal property suffers losses,

If the owner's personal belongings such as furniture, clothes and sports equipment are damaged within the scope of insurance clauses due to fire, hurricane or other disasters, the insurance company will compensate. This part of the insured amount is fixed, and the insured amount is about 50%-70% of the insured amount of the damaged building structure. The best way to confirm whether personal belongings are covered by insurance is to register household belongings, take photos for backup and establish a list of household belongings.

Personal belongings include things stored outside the house, which means that you can try to apply for homeowner's insurance compensation when you carry things on business trips or store valuables elsewhere.

Valuables, such as jewelry, furs, artworks, collectibles and silverware, are covered by insurance. If they are stolen, you can claim compensation, but the amount of compensation is limited. In order to ensure that the claim amount is far lower than the value of such items after being stolen, it is suggested to purchase a separate insurance policy for valuables and make an official appraisal of the value of such items.

Family insurance also covers vegetation. Generally speaking, the claim amount is about $500 per piece. The death of trees and plants due to illness or poor maintenance is not covered by the claim.

Second, when the structure of the building itself is destroyed.

When the house is damaged by various disasters, the insurance company will repair or rebuild your house according to the terms of the contract. The premise is that the types of disasters are within the scope listed in the insurance policy, and common disasters include fire, hurricane, hail, lightning or other disasters.

At the same time, most insurance policies also include structures separated from houses, such as garages, tool sheds or pavilions. Generally speaking, this branch accounts for about 65,438+00% of the coverage of housing structural insurance.

Third, the owner's liability insurance.

Protect any third-party litigation liability caused by human negligence or natural disasters within the whole house (inside and outside the house). Therefore, if your son or daughter (even your dog) accidentally destroys an expensive carpet in the neighbor's house, the insurance company will pay for it. Within the maximum amount stipulated in the insurance policy, the expenses for your defense in court and any court ruling will be borne by the insurance company.

The limit of liability guarantee is generally around $654.38 million+. If you have important assets and want to get the amount of liability protection claims higher than the upper limit of the basic homeowner's policy, you can ask an insurance professional if it is necessary to buy a higher level of insurance. Excess liability insurance can provide wider coverage and higher liability claims. In fact, the premium of liability insurance of 300,000 to 500,000 yuan is only tens of dollars a year, but it can give yourself and your family more protection.

A common situation is that the snow on the sidewalk is not cleared in time on snowy days, causing others to fall. This part of the premium is very small, but it is very important to the owners. The recommended amount of protection is at least equivalent to the market value of the house. If you still feel that the protection is not enough, you can consider buying personal umbrella insurance.

Liability protection also includes some medical insurance. If your friend or neighbor is injured in the house, such as accidentally slipping, you can submit a medical bill to your insurance company and apply for compensation. But it does not include the medical expenses of your family or pets.

Four. Extra living expenses

If you can't live in the house because of the disaster (the type of disaster is listed in the insurance policy), A Le will pay extra living expenses. It covers the hotel accommodation expenses, hotel meals and other expenses that exceed the daily living expenses when your house is being rebuilt.

Note: ALE in your homeowner's insurance will be limited. For example, ALE in some insurance policies has a time limit. At the same time, even if you use ALE, the insurance company will still pay the full cost of rebuilding the house until the policy limit is reached.

If part of your house is for rent, and your house is not damaged to the point where it needs to be rebuilt, ALE will also compensate you for the rent charged by the tenant.