{"id":38,"date":"2021-06-28T10:32:13","date_gmt":"2021-06-28T17:32:13","guid":{"rendered":"https:\/\/pinecrestinsurance.com\/?page_id=38"},"modified":"2021-08-31T09:12:28","modified_gmt":"2021-08-31T16:12:28","slug":"homeowner","status":"publish","type":"page","link":"https:\/\/pinecrestinsurance.com\/products\/homeowner\/","title":{"rendered":"Homeowner"},"content":{"rendered":"\n\n\t\t<h2>\n\t\t\tHomeowner Insurance\n\t\t<\/h2>\n\t\t\t<p>The biggest investment most people will ever make is in their home. That\u00b4s why it makes sense to protect the sizable financial investment you\u00b4ve made in your own\u00a0home with a comprehensive homeowners plan. Your home purchase is an investment deserving the protection that only an experienced insurance professional can provide.<\/p>\t\t\n\t\t\t<a href=\"https:\/\/pinecrestinsurance.com\/products\/condo-insurance\/\" target=\"_self\" rel=\"noopener\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/pinecrestinsurance.com\/wp-content\/uploads\/2021\/07\/condo-square-150x150.jpg\" alt=\"condo-square\" \/>\n\t\t\tRelated Product\n\t\t\t\t\t<h4>Condo Insurance<\/h4>\n\t\t\t\t\t<p>Learn More<\/p>\t\t\t\t\n\t\t<\/a>\n\t\t\t<a href=\"https:\/\/pinecrestinsurance.com\/products\/mobile-home-insurance\/\" target=\"_self\" rel=\"noopener\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/pinecrestinsurance.com\/wp-content\/uploads\/2021\/07\/mobile-home-square-150x150.jpg\" alt=\"mobile-home-square\" \/>\n\t\t\tRelated Product\n\t\t\t\t\t<h4>Mobile Home Insurance<\/h4>\n\t\t\t\t\t<p>Learn More<\/p>\t\t\t\t\n\t\t<\/a>\n\t\t\t<a href=\"https:\/\/pinecrestinsurance.com\/products\/landlord-property-insurance\/\" target=\"_self\" rel=\"noopener\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/pinecrestinsurance.com\/wp-content\/uploads\/2021\/07\/renter-landlord-square-300x300.jpg\" alt=\"renter-landlord-square\" \/>\n\t\t\tRelated Product\n\t\t\t\t\t<h4>Landlord Property Insurance<\/h4>\n\t\t\t\t\t<p>Learn More<\/p>\t\t\t\t\n\t\t<\/a>\n\t\t\t<a href=\"https:\/\/pinecrestinsurance.com\/products\/renters-insurance\/\" target=\"_self\" rel=\"noopener\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/pinecrestinsurance.com\/wp-content\/uploads\/2021\/07\/apartment-square-150x150.jpg\" alt=\"apartment-square\" \/>\n\t\t\tRelated Product\n\t\t\t\t\t<h4>Renters Insurance<\/h4>\n\t\t\t\t\t<p>Learn More<\/p>\t\t\t\t\n\t\t<\/a>\n\t\t\tBasic Protection You Need For&#8230;\n\t<ul>\n\t\t\t<li>\n\t\t\t\tYour Home\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tOther buildings or structures on your property\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tYour personal belongings &#8211; furniture, clothing, appliances, etc.\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tAdditional living expenses\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tPersonal Liability\n\t\t\t<\/li>\n\t\t<\/ul>\n\t\t\tSpecial Features You Can Choose For Additional Security\n\t<ul>\n\t\t\t<li>\n\t\t\t\tExtended Replacement Cost &#8211; Dwelling (Up to a 200% Cap)\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tReplacement Cost on Contents\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tBuilding Code Upgrade Coverage\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tScheduled Personal Property &#8211; Jewelry, silverware, antiques, fine arts, collectibles and more\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tPersonal Injury Liability\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tIncreased liability limits\n\t\t\t<\/li>\n\t\t<\/ul>\n\t\t\tDwelling Fire &#038; Specialty Homeowners\n\t<ul>\n\t\t\t<li>\n\t\t\t\tRental\/Landlord\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tVacant Homes\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tSeasonal or Secondary Homes\n\t\t\t<\/li>\n\t\t\t<li>\n\t\t\t\tShort Term Rental Properties\n\t\t\t<\/li>\n\t\t<\/ul>\n\t\t\tFrequently Asked Questions\n\t\t\t\t\tWhat is homeowners insurance?\t\t\t\t\n\t\t\t\t\t<p>Homeowners insurance\u00a0is a form of personal lines insurance. The typical homeowners\u00a0policy\u00a0has two main sections:<\/p>\n<ul>\n<li>Covers the property of the insured.<\/li>\n<li>Provides personal\u00a0liability coverage\u00a0to the insured.<\/li>\n<\/ul>\n\t\t\t\t\tWhat do I need to know when purchasing homeowners insurance?\t\t\t\t\n\t\t\t\t\t<ul>\n<li aria-level=\"1\">Get the amount and type of insurance that you need.<\/li>\n<li aria-level=\"1\">Determine the amount of personal property insurance and personal liability coverage that you need.<\/li>\n<li aria-level=\"1\">Select any additional endorsements you want to add to your policy. For example, do you want the personal property replacement cost endorsement?<\/li>\n<\/ul>\n\t\t\t\t\tWhat is &#8220;actual cash value&#8221;?\t\t\t\t\n\t\t\t\t\t<p>When &#8220;actual cash value&#8221; is used in a policy, a policy owner is entitled to the depreciated value of the damaged property.<\/p>\n\t\t\t\t\tWhat is replacement cost&#8221;?\t\t\t\t\n\t\t\t\t\t<p>When &#8220;replacement cost&#8221; coverage is used in a policy, a policy owner is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices.<\/p>\n\t\t\t\t\tWhere and when is my personal property covered?\t\t\t\t\n\t\t\t\t\t<p>Coverage C of a homeowners policy provides named perils coverage. This applies to all your personal property (except property that is specifically excluded). Generally there is a percentage limit for property that is not on the residence premises.<\/p>\n\t\t\t\t\tShould I purchase earthquake coverage?\t\t\t\t\n\t\t\t\t\t<p>Direct damages due to earthquakes are not covered under the standard homeowners insurance policy. If you live in an area that is prone to earthquakes, you may want to consider adding an earthquake endorsement to your homeowners insurance policy. Another option is to purchase a separate earthquake policy.<\/p>\n\t\t\t\t\tShould I purchase flood coverage?\t\t\t\t\n\t\t\t\t\t<p>If your property lies in a flood plain as determined by US Government Flood Maps. Ask us about a flood quote. Even if your home is not located in a flood hazard area, you can still purchase flood insurance.<\/p>\n\t\t\t<a href=\"tel:+18004006886\" role=\"button\" target=\"_self\" title=\"Call for Quote\" alt=\"Call for Quote\" onclick=\"\" rel=\"noopener\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tCall 1-800-400-6886\n\t\t\t\t\t\t\t<\/a>\n\t\t\t<a href=\"https:\/\/pinecrestinsurance.com\/contact\/\" role=\"button\" target=\"_self\" title=\"Call for Quote\" alt=\"Call for Quote\" onclick=\"\" rel=\"noopener\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tGet Quote\n\t\t\t\t\t\t\t<\/a>\n\n","protected":false},"excerpt":{"rendered":"<p>Homeowner Insurance The biggest investment most people will ever make is in their home. That\u00b4s why it makes sense to protect the sizable financial investment you\u00b4ve made in your own\u00a0home with a comprehensive homeowners plan. Your home purchase is an investment deserving the protection that only an experienced insurance professional can provide. Related Product Condo &#8230; <a title=\"Homeowner\" class=\"read-more\" href=\"https:\/\/pinecrestinsurance.com\/products\/homeowner\/\" aria-label=\"Read more about Homeowner\">Read more<\/a><\/p>\n","protected":false},"author":2,"featured_media":361,"parent":36,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/pages\/38"}],"collection":[{"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/comments?post=38"}],"version-history":[{"count":0,"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/pages\/38\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/pages\/36"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/media\/361"}],"wp:attachment":[{"href":"https:\/\/pinecrestinsurance.com\/wp-json\/wp\/v2\/media?parent=38"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}