8 Types of Homeowners Insurance Explained! | How to Get the RIGHT Home Insurance You Need!

In today's real estate faq's episode you'll learn about homeowners insurance with 8 types explained!

🎬 About:
Whether your home shopping or already own a home this video is right for you! Consider this a homeowner insurance 101 video that breaks down what types of things homeowners insurance covers.

Turns out, quite a bit depending on the homeowners insurance coverage types you might choose.

With so many options, you're watching the right video to be prepared for your next conversation with your homeowner insurance agent!

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📒 Show Notes 📒

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Andrew Finney Trusted Real Estate Advisor/ USMC Veteran S.0173260
King Realty Group 6955 N. Durango Drive
Suite 1004
Las Vegas, NV 89149

Disclaimers/ Credits:
At the time of production, Andrew Finney, S.0173260, is a real estate salesperson with BHHS, NV Properties in Las Vegas, NV. Andrew's videos are his own and do not necessarily represent the views and/ or opinions of BHHS, NV Properties. The purpose of Andrew's videos is to educate you and help you make sense of the real estate process. I am not a CPA, attorney, insurance, contractor, lender, or financial advisor. If you have questions about home loans, real estate, taxes, financial advice, real estate law, insurance, professional trades, or any other services, you are advised to reach out to the appropriate professional for further counsel about your own unique situation. The content in these videos shall not be construed as tax, legal, insurance, construction, engineering, health & safety, electrical, financial advice, or any other and may be outdated or inaccurate; it is your responsibility to verify all information for yourself. We have taken reasonable steps to check that the information in this video is accurate but we cannot represent that is free from error. Linked items may create a financial benefit for Andrew Finney Team. Any use of other media is by fair-use or license only.

Awesome Music Courtesy of:
Song: Syn Cole - Feel Good [NCS Release]
Music provided by NoCopyRightSounds.

[sunbodygoddess]

You are a LIFE SAVER! I’m currently going through the process of picking homeowners insurance... Your information has help me! Thank you ANDREW💕You ROCK!!!

[lardook]

Take a look at New Zealand Insurance, We have government levies paid to insurance companies for first loss natural disasters. perils include eg (Flood, inundation, landslide, erosion, subsidence, tsunamis, Earthquakes geothermal etc...). Customers pay $300 for $150000 + tax (15%) of cover per year, the benefit is if your damage sustained is more than than this your insurer then steps in to cover the rest up to your sum insured (rebuild/replacement cost limit) Some parts of your home have a $5000 deductible such as fences, driveways, pools and decking as that's excluded by the government (only during natural disasters) but all in all it helps separate the need for separate confusing (layered) policies in the USA that only cover specific perils. In New Zealand there is typically only two covers (comprehensive and essentials). Essentials covers 8 specific perils but doesn't rebuild the home, at most it repairs the damage OR pays out the market value of the home excluding land. Comprehensive covers all sudden and accidental loss or damage events except those excluded by re-insurance companies eg Riot War, public disturbance, nuclear etc.... on occasion generators that burn out or hydrostatic pressure damage is excluded but all in all new zealanders are well protected by these simple comprehensive policies. Just thought I'd share

[girlscoutpie]

I'm taking my P&C exam this Friday any tips!??

[nikasiamashvili]

What is the most common home owners insurance? And could lenders require one policy over another?

[RobinF]

Hi Andrew, Thanks so much for taking the time to educate me about buying a home. My question is I’m looking for homes in areas of Orange County, Florida that I can buy a home in for $100, 000. Real estate agents aren’t allowed to tell you if an area is good or bad, but I really need to know where I can find that information? I live in the Bronx in New York and like Harlem there are good & bad areas, as well as up and coming areas. I noticed that quite a few houses in the not so desirable areas have homes in my price range. I also noticed that the prices are going up. I’m going to Orlando the 4th week of May & I wanted to drive around & check out different areas. Do you think that’s a good idea? Thank you Robin

[javierja]

What type of home is not covered by specific type of insurance policy

[michaelbutch]

Hey I just wanted to watch more more videos and property's and casualty exam because.

[lauramolecavage]

What type of training do you need to sell this type of insurance

[duonghuynhthuy]

Some segments in the video are stamped not adjacent to each other

[ambroulard]

So if you're buying the house outright you're not required to have Insurance at closing---- that's my assumption, am I correct??

[pennydollar]

Great topic!! Turn off background music....distracting

[danbeard]

You speak way too fast. It would also be helpful to have some visuals.