Merritt Editors - How to Insure Your Home: A Step by Step Guide to Buying the Coverage You Need at Prices You Can Afford
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How to Insure Your Home: A Step by Step Guide to Buying the Coverage You Need at Prices You Can Afford
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This excellent book...is filled with valuable information...fascinating reading.-- Robert Bruss, Tribune Media Services
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A Step by Step Guide to Buying the Coverage You Need at Prices You Can Afford
The Merritt Editors
MERRITT PUBLISHING A DIVISION OF THE MERRITT COMPANY SANTA MONICA, CALIFORNIA
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How to Insure Your Home A Step by Step Guide to Buying the Coverage You Need at Prices You Can Afford
First edition, 1996 Copyright 1996 by Merritt Publishing
Merritt Publishing 1661 Ninth Street Santa Monica, California 90406
For a list of other publications or for more information from Merritt Publishing, please call (800) 638-7597. Outside the United States and in Alaska and Hawaii, please call (310) 450-7234.
All rights reserved. No part of this book may be reproduced, stored in a retrieval system or transcribed in any form or by any means (electronic, mechanical, photocopy, recording or otherwise) without the prior written permission of Merritt Publishing.
Library of Congress Catalogue Number: 96-075086
The Merritt Editors How to Insure Your Home A Step by Step Guide to Buying the Coverage You Need at Prices You Can Afford. Includes index. Pages: 247
ISBN: 1-56343-132-7 Printed in the United States of America.
Page iii
Acknowledgments
The Merritt Editors who contributed to this book include Cynthia Davidson, Jan King, Megan Thorpe and James Walsh. Thanks also to: Kimberly Baer Design Associates, Kathie Baumoel, Cynthia Chaillie, Ginger McKelvey and Mimi Tennant.
Some forms that appear in this book are based on standard forms and information used with the permission of the Insurance Services Office.
How to Insure Your Home is the second book in Merritt Publishing's How to Insure... series. Upcoming titles will include How to Insure Your Income and How to Insure What You Own. Because these books are designed to make the concepts and theories of insurance understandable to ordinary consumers, the Merritt Editors welcome any feedback. Please fax us at (310) 396-4563 or call (800) 638-7597 during regular business hours, Pacific time. More information from Merritt Publishing is available on the InsWeb Internet site and at http.//www.merrittpub.com.
Page v
Table of Contents
Chapter 1 Why You Need Homeowners Insurance
1
Chapter 2 How to Figure Out How Much Insurance You Need
21
Chapter 3 Why Liability Is Such a Major Issue
45
Chapter 4 Important Definitions
67
Chapter 5 Fires, Floods and Earthquakes
91
Chapter 6 Coverage for Condos and Other Dwellings
113
Chapter 7 Coverages and Issues for Renters
135
Chapter 8 How Insurance Companies Price Homeowners Coverage
153
Page vi
Chapter 9 Assigned-Risk Programs and Alternative Markets
167
Chapter 10 How to Make a Claim
183
Chapter 11 How to Avoid Common Coverage Problems
203
Chapter 12 Tips for Smart Buyers
225
Index
241
Page 1
Chapter 1 Why You Need Homeowners Insurance
Fleeing from the 1991 Oakland fires, Tobie Shapiro packed everything she could into her car and left her home to meet her husband and children on safe ground. She and her family figured they were going to lose their homebut they felt little financial threat. Their house and its contents were covered by homeowners insurance.
Or so they thought. After the fire incinerated their home, the Shapiros found that their homeowners coverage didn't cover everything they'd lost. Their insurance agent had recommended against buying guaranteed replacement cost coverage, which would have picked up any building costs that exceeded the policy's face value.
After the fire, contractors set the cost of rebuilding the Shapiros' home at more than $1 millionthey were insured for less than $400,000.
The Shapiros weren't alone. The California Department of Insurance concluded that, of the 4,842 homes damaged or destroyed in the Oakland fire, 1,409 were underinsured.
Page 2
Under pressure from state regulators, about 30 insurance companies agreed to upgrade retroactively more than 1,000 homeowners policies in Oaklandincluding the Shapiros'. But you can't count on political pressure to work for you when you make a claim.
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