What Does Basic Home Insurance Cover?

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   David G. Pipes, CLU®, RICP®

   Business Development Officer, T.D. McNeil Insurance Services, Fresno, California

   Although this form is seldom used there is coverage for just the structure of the residence.  Further the list of perils insured against can be quite short, fire, lighting and hail.  Few lenders will accept that form of coverage and prefer a more comprehensive policy that will protect them in most eventualities.

   Answered on April 25, 2014

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