SEO Article - Keyword Homeowner's InsuranceSEO Article – Keyword Homeowner’s Insurance

This is an example of an SEO article for the keyword “Homeowner’s Insurance“. This kind of article is perfect for web pages, blogs, newsletters, e zines or any other web pages for independent insurance agents, insurance companies, or associations related to the insurance industry.

This article targets the keyword phrase “homeowner’s insurance” so that anyone searching for that keyword will find your website with this article.

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What does your Homeowner’s Insurance Cover?

All insurance policies are not made alike. This is just as true of your homeowner’s insurance as for any other kind. The time to take a look at your insurance policy is now, not after your house has burned down.

There are eight basic kinds of homeowners insurance. Most people will only be concerned with the first three, but we will outline each type of homeowner’s insurance here so that you can understand.

Be aware that your state may use slightly different terminology on their forms. (such as HO-A, HO-B, etc.) but the types of coverage in each type of policy are fairly standard.

Homeowners Insurance – HO 1

This is just very basic coverage that only insures your home against fire. Coverage of this kind is very limited, and few homeowners find enough value to justify the cost savings.

Homeowner’s Insurance – HO 2

HO-2 is often referred to as “broad coverage,” because it covers losses for a broad variety of property losses including:

• windstorm or hail
• theft
• explosion
• smoke
• damage from vehicles and aircraft
• glass breakage
• removal of property endangered by covered peril such as fire
• vandalism
• malicious mischief
• and riot or civil commotion
• building collapse
• freezing of or accidental discharge of water or steam from within plumbing
• heating or air-conditioning
• falling objects
• weight of snow, ice, or sleet
• rupture or bursting of steam or hot water heating systems

Broad coverage is useful, but again, may not be worth the money you save on premiums, depending on your specific situation. Be sure to talk to your agent about your insurance needs.

Homeowner’s Insurance – HO 3

This type of homeowners insurance covers both your home and any detached structures (sheds, detached garages, barns, etc) against any kinds of losses, except for those specifically excluded in the policy. Be sure to read the policy carefully and discuss any and all exclusions with your agent. If you wish to have coverage for any of those excluded items, it is typically available by purchasing what is called “special endorsements” for an additional charge.

This is called the “special” form of homeowner’s insurance. HO-3 is the most popular type of homeowners insurance policy, used by the majority of homeowners.

Homeowner’s Insurance – HO 4

This type of homeowner’s insurance is commonly referred to as “renter’s insurance.” It covers the tenant of a rental property and insures household contents and personal belongings for all the losses outlined for HO-2 insurance policy. It does not cover the property itself, just the tenant’s belongings. In addition, HO-4 will cover:

• Liability protection.
• Additional living expenses if needed
• Medical payments

Homeowner’s Insurance – HO 6

Purchase this policy if you live in a condominium unit and wish to homeowner’s insurance coverage for:

• belongings that are not insured by the association policy
• personal property inside the unit
• personal liability protection.

Discuss the exact details of this policy with your agent so that you understand exactly what is covered and what is not.

Homeowner’s Insurance – HO 8

If you live in an “older home” you may not be able to buy a replacement policy for your home. Replacing older materials, and using previous construction techniques can be extremely expensive, and may not meet modern code requirement for new construction.

In this case you may have to purchase a modified replacement policy for your homeowner’s insurance. Instead of replacing such older home materials as plaster walls, the policy will only pay for standard building materials and practices in used today.

Your insurance agent will discuss your particular needs and help you to find and tailor the insurance policy that is right for you.

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This article is available for reprint only if the following bio is included intact.

This article is written by David Denis owner of http://www.rocksolidwriting.com

David is a freelance writer for hire offering article writing, sales letters, training manuals, speech writing, seo content, sales writing, blog articles, copywriting service, sales scripts and business name ideas.

To learn more, or request a quote visit http://www.rocksolidwriting.com/freelance-writer-quote/