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The basics of property insurance

The basics of property insurance

课程: Financial Basics Everyone Should Know

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The basics of property insurance

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- [Narrator] Homeowners insurance and auto insurance often bundle together because both help to protect you from losses related to two of your most valuable possessions, your home and your car. Homeowners insurance and auto insurance both fall under the umbrella of property and casualty, or P and C insurance. Remember, this insurance is generally not optional. If you have a car, you must have car insurance by law. If you have a house and you have a mortgage on it, the bank will generally require that you carry homeowner's insurance. So P and C is more a question of which policy than whether or not you want to carry one. There are several key terms you might want to consider when evaluating which P and C option is right for you. The first term you should be familiar with is the premium. The premium is the amount that you must pay to the insurance company each month. The level of premiums will range based on your property value and the choices that you make in your policy. The insurance…

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