{"id":4446,"date":"2020-10-06T11:31:20","date_gmt":"2020-10-06T11:31:20","guid":{"rendered":"https:\/\/469899a3-97a5-4c9b-8d86-b9629724411a.cc10.conves.io\/?p=4446"},"modified":"2020-10-06T11:31:20","modified_gmt":"2020-10-06T11:31:20","slug":"have-a-mortgage-you-need-homeowners-insurance","status":"publish","type":"post","link":"https:\/\/swflinsurance.com\/have-a-mortgage-you-need-homeowners-insurance\/","title":{"rendered":"Have a Mortgage? You Need Homeowner\u2019s Insurance"},"content":{"rendered":"<h4><span class=\"ez-toc-section\" id=\"Have_a_Mortgage_You_Need_Homeowners_Insurance\"><\/span>Have a Mortgage? You Need Homeowner\u2019s Insurance<span class=\"ez-toc-section-end\"><\/span><\/h4><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/swflinsurance.com\/have-a-mortgage-you-need-homeowners-insurance\/#Have_a_Mortgage_You_Need_Homeowners_Insurance\" >Have a Mortgage? You Need Homeowner\u2019s Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/swflinsurance.com\/have-a-mortgage-you-need-homeowners-insurance\/#Actual_Cash_Value_Coverage\" >Actual Cash Value Coverage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/swflinsurance.com\/have-a-mortgage-you-need-homeowners-insurance\/#Replacement_Cost_Coverage\" >Replacement Cost Coverage<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>Very few people can afford to pay for a new home in cash. That\u2019s why most home buyers finance their home with a mortgage or other property loan. Once you take out a loan, it is your responsibility to repay it to the bank over the years.<\/p>\n<p>However, what happens if something happens to your home in the meantime? Various hazards could cause significant property, and sometimes those hazards might destroy the home. As a result, both the homeowner and the lender might lose the investment they have made in the property. Still, that doesn\u2019t mean you are off the hook to pay off the rest of your mortgage.<\/p>\n<p>To protect their investment in your property from such hazards, most lenders require property owners to carry homeowners insurance. Usually, this requirement will mean buying dwelling coverage worth at least your home\u2019s replacement cost value. However, some policies pay for your dwelling based on its actual cash value, and you likely won\u2019t be able to buy this coverage.Here\u2019s how each works.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Actual_Cash_Value_Coverage\"><\/span>Actual Cash Value Coverage<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>This is often the cheapest form of protection available for your dwelling. When deciding how much money to issue following a claim, your insurer will consider the home\u2019s depreciated value, rather than the value necessary to rebuild the home like new.<\/p>\n<p>A home\u2019s structural value often decreases over time (often even if property values increase). Think of this depreciation in the same way you would a car that loses value the older it gets. Therefore, the money you receive in the end might not be enough to fully repair the home. Most homeowners policies these days do not offer this coverage. Therefore, it is exceedingly rare to find, and most mortgage lenders require buyers to purchase more coverage anyway.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Replacement_Cost_Coverage\"><\/span>Replacement Cost Coverage<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Replacement cost coverage more closely matches the costs necessary to rebuild your home. To determine your home\u2019s replacement cost value, you\u2019ll need to factor in the cost of materials, labor and other assets necessary to repair or rebuild you home. So, if it will cost $300,000 to rebuild your home, then you will need at least $300,00 in structure coverage as your coverage limits.<\/p>\n<p>You might need to periodically review your dwelling coverage limit as a home\u2019s replacement cost changes with inflation and other market differences. A failure to do so might mean that you might not be able to rebuild your home like it was before the damage occurred.<\/p>\n<p>To determine the right dwelling coverage limit, work with your insurer, realtor and lender to calculate the minimum coverage necessary. You can always buy more than this minimum coverage to provide expanded protection against even the costliest losses. The more coverage you have, the better protected your dwelling will be.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Have a Mortgage? You Need Homeowner\u2019s Insurance Very few people can afford to pay for a new home in cash. That\u2019s why most home buyers finance their home with a mortgage or other property loan. Once you take out a loan, it is your responsibility to repay it to the bank over the years. However, what happens if something happens to your home in the meantime? Various hazards could cause significant property, and sometimes those hazards might destroy the home. As a result, both the homeowner and the lender might lose the investment they have made in the property. Still, that doesn\u2019t mean you are off the hook to pay off the rest of your mortgage. To protect their investment in your property from such hazards, most lenders require property owners to carry homeowners insurance. Usually, this requirement will mean buying dwelling coverage worth at least your home\u2019s replacement cost value. However, some policies pay for your dwelling based on its actual cash value, and you likely won\u2019t be able to buy this coverage.Here\u2019s how each works. Actual Cash Value Coverage This is often the cheapest form of protection available for your dwelling. When deciding how much money to issue following a claim, your insurer will consider the home\u2019s depreciated value, rather than the value necessary to rebuild the home like new. A home\u2019s structural value often decreases over time (often even if property values increase). Think of this depreciation in the same way you would a car that loses value the older it gets. Therefore, the money you receive in the end might not be enough to fully repair the home. Most homeowners policies these days do not offer this coverage. Therefore, it is exceedingly rare to find, and most mortgage lenders require buyers to purchase more coverage anyway. Replacement Cost Coverage Replacement cost coverage more closely matches the costs necessary to rebuild your home. To determine your home\u2019s replacement cost value, you\u2019ll need to factor in the cost of materials, labor and other assets necessary to repair or rebuild you home. So, if it will cost $300,000 to rebuild your home, then you will need at least $300,00 in structure coverage as your coverage limits. You might need to periodically review your dwelling coverage limit as a home\u2019s replacement cost changes with inflation and other market differences. A failure to do so might mean that you might not be able to rebuild your home like it was before the damage occurred. To determine the right dwelling coverage limit, work with your insurer, realtor and lender to calculate the minimum coverage necessary. You can always buy more than this minimum coverage to provide expanded protection against even the costliest losses. The more coverage you have, the better protected your dwelling will be.<\/p>\n","protected":false},"author":2,"featured_media":4112,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"Have a Mortgage? You Need Homeowner\u2019s Insurance Very few people can afford to pay for a new home in cash. That\u2019s why most home buyers finance their home with a mortgage or other property loan. 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