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By Merritt Editors

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Additional info for 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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Page 39 The last main point to consider: How much liability coverage do you need on your homeowners policy? The policy will only protect you against liabilities up to the value of the house itselfbut most people use their homeowners policy as their main protection from civil lawsuits. So, the issue of how much liability coverage you need has a lot to do with your financial conditionand the equity value in your house. Most homeowners policies pay up to $100,000 each time someone makes a legitimate liability claim against you.

The court ruled that neither the agents nor the insurance company were required under the general duty of care they owed Free (or any client) to advise him accurately regarding the sufficiency of his coverage limits or the replacement value of his residence. The court cited another court ruling that held: Neither an insurance agent nor anyone else has the ability to accurately forecast the upper limit of any damage award. . To impose such a duty. would in effect make the agent a blanket insurer for his principal.

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. 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.

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