Homeowners Insurance 101 - Essentials

In this comprehensive recap episode, Nick Ledger connects all the essential pieces of homeowners insurance into one clear picture. Learn how to read your policy like a pro, understand the difference between H O one through H O eight policy types, and decode the six standard coverage sections from dwelling to liability. Discover why the eighty percent rule matters, how replacement cost differs from actual cash value, and the critical difference between your home's market value and its replacement cost. Nick walks you through managing your policy effectively, choosing the right deductible, and maintaining proper documentation. Essential knowledge for every homeowner who wants to truly understand their coverage.
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