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A video that explains how to read your homeowners insurance policies



Watch the full video at https://youtu.be/e_LdYs0xfVQ [1965652] Your home is probably your most valuable asset, and homeowners' insurance is an important part of protecting your home and belongings. If you have a mortgage on your home, your lender probably required that you get insurance that protects the lender's interest. Because it provides such broad coverage that includes both property, liability and employee compensation coverage for household employees, most homeowners will have a homeowners policy if they expect to occupy the property. Even with without a mortgage, homeowners insurance is still the best option to protect your investment in the home and your exposure to liability.

But do you even know what is in your insurance? Would you know your coverage in the event of an emergency? Are you underinsured? Are you overinsured?

About two-thirds of American homes are underinsured, according to estimates by Nationwide Insurance. Some homes are underinsured by up to 60 percent. And CoreLogic, an insurance research company, says that three out of five American homes are underinsured by an average of 20 percent. The homeowner should not wait until it becomes necessary to file a claim to find out if the homeowner is insured up to the home's actual cash value or its full compensation cost. If the homeowner, prior to a loss, determines that he or she is underinsured and responsible for paying a lot of money in his or her pocket, the homeowner will contact the insurance agent or broker who received the insurance on behalf of the insured to increase limits to an appropriate amount.

Despite the importance of this, many insureds do not take the time to properly review homeowners' policies. To ensure that a homeowner policy provides the coverage needed, it is necessary for the homeowner to understand the basics of homeowners insurance. an insurance consultant who specializes in insurance coverage, insurance claims handling, infidelity and insurance fraud almost equally for insurers and policyholders. He also acts as an arbitrator or mediator for insurance-related disputes. He practiced law in California for more than 44 years as an insurance coverage and claims lawyer and more than 52 years in the insurance industry. He is available at http://www.zalma.com and zalma@zalma.com.

Mr. Zalma is the first recipient of the first annual Claims Magazine / ACE Legend Award.

For the past 52 years, Barry Zalma has devoted his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the following libraries with books and other materials to enable insurers and their claims staff to become insured.

Read posts from Barry Zalma at https://parler.com/profile/Zalma/posts [19659008] Go to Barry Zalma on YouTube- https://studio.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg/videos/upload? filter =% 5B% 5D & sort =% 7B% 22columnType% 22% 3A% 22date% 22% 2C% 22sortOrder% 22% 3A% 22DESCENDING% 22% 7D

Go to the insurance claims library – https://zalma.com / blog / insurance-claims-library / [194459014] [195659008] Subscribe to email version of ZIFL, it's free! –

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Read the last two questions by ZIFL here. https://zalma.com/zalmas-insurance-fraud-letter-2/

Go to the Barry Zalma, Inc. website here https://www.zalma.com/ [19659005] Listen to my podcast, Zalma about insurance, at:

https://podcasts.google.com/?q=zalma%20on%20insuranceZalma about insurance –

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