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Home Owners Insurance
Home insurance, also commonly called hazard insurance or homeowner’s insurance (often abbreviated in the US real estate industry as HOI), is a type of property insurance that covers a private residence. It is aninsurance policy that combines various personal insurance protections, which can include losses occurring to one’s home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory.
Homeowner’s policy is referred to as a multiple-line insurance policy, meaning that it includes both property insurance and liability coverage, with an indivisible premium, meaning that a single premium is paid for all risks. In the US standard forms divide coverage into several categories, and the coverage provided is typically a percentage of Coverage A, which is coverage for the main dwelling.[1]
The cost of homeowner’s insurance often depends on what it would cost to replace the house and which additional endorsements or riders are attached to the policy. The insurance policy is a legal contract between the insurance carrier (insurance company) and the named insured(s). It is a contract of indemnity and will put the insured back to the state he/she was in prior to the loss. Typically, claims due to floods or war (whose definition typically includes a nuclear explosion from any source) are excluded from coverage, amongst other standard exclusions (like termites). Special insurance can be purchased for these possibilities, including flood insurance. Insurance is adjusted to reflect the cost of replacement, usually upon application of an inflation factor or a cost index.
The home insurance policy is usually a term contract, i.e. a contract that is in effect for a fixed period of time. The payment the insured makes to the insurer is called the premium. The insured must pay the insurer the premium each term. Most insurers charge a lower premium if it appears less likely the home will be damaged or destroyed: for example, if the house is situated next to a fire station or is equipped with fire sprinklers and fire alarms; if the house exhibits wind mitigation measures, such as hurricane shutters; or if the house has a security system and has insurer-approved locks installed. Perpetual insurance, a type of home insurance without a fixed term, can also be obtained in certain areas.
Although more people buy homeowners insurance in USA at the immediate purchase of their home, our MGT USA home owners insurance sponsors offer affordable and reliable insurance quotes over the internet as well as local agents here in USA. Their claims network is one of the largest in the world, and is usually accessible 24/7, online or by phone. Our insurance sponsors help you save on homeowners insurance by offering a host of discounts for everything from multiple-line policies to everyday safety items like deadbolts, fire extinguishers, smoke alarm, and burglar alarm.
Fort Myers
Fort Myers is the county seat[4] and commercial center of Lee County, Florida, United States. Fort Myers is a gateway to the Southwest Florida region and a major tourist destination within Florida. The winter homes of Thomas Edison (“Seminole Lodge”) and Henry Ford (“The Mangoes”) are a primary tourist attraction in the region.[5] The city is named after Colonel Abraham Myers.[6][7] The geographic statistical area is serviced by Southwest Florida International Airport (RSW), located southeast of the city.
Fort Myers was one of the first forts built along the Caloosahatchee River as a base of operations against the Seminole Indians during the American Indian Wars. During the Seminole Wars, Fort Myers was a strategic location for its visibility and access to Atlantic waterways.
During the American Civil War, Confederate blockade runners and cattle ranchers called Fort Myers home. These settlers prospered through trading with Seminole Indians and Union Soldiers.[8]
The Fort Myers community was founded by Captain Manuel A. Gonzalez on February 21, 1866. [9] [10] Captain Gonzalez was familiar with the area as a result of his years of service delivering mail and supplies to the Union Army at the Fort during the Seminole Indian Wars and Civil War. [11] [12] When the U.S. Government abandoned the Fort following the Civil War, Gonzalez traveled by sailing vessel from Key West, Florida to found the community. [13] [14] [15] Three weeks later, Joseph Vivas and his wife, Christianna Stirrup Vivas, arrived with Gonzalez’s wife, Evalina Gonzalez, and daughter, Mary Gonzalez.[16]
Gonzales had shipped supplies and carried mail during the war and settled his family near the abandoned Fort Myers to begin the town’s first trading post. Gonzalez traded tobacco, beads, and gunpowder, and sold otter, bobcat, and gator hide, to the neighboring Seminole Indians.[8]
In 1881, the wealthy industrialist Hamilton Disston of Philadelphia came to the Caloosahatchee Valley to dredge and drain the everglades for development. Diston connected Lake Okeechobee with the Caloosahatchee River, which allowed steamboats to run from the Gulf of Mexico to Lake Okeechobee and up the Kissimmee River.[8]