Insurance Topics: Homeowners Insurance
Published by National Association of Insurance Commissioners (NAIC). Jurisdiction US.
Exactly what this source supports
These are the only claims this record is used to carry anywhere in the library.
NAIC states that coverage can be for all perils, except those explicitly excluded, or for just those perils specifically named in the policy.
claim naic-homeowners#c1NAIC states that the limits of coverage for the other coverages are typically calculated as percentages of the dwelling limit.
claim naic-homeowners#c2NAIC's page states that all homeowners insurance policies cover the structure of the home, including attached structures, fixtures and built-in appliances, and that most policies also cover home contents and personal liability for covered accidents. This is NAIC's general description of the market, not a reading of any particular filed form.
claim naic-homeowners#c3NAIC states that a home can be insured based on replacement cost, meaning the cost to rebuild, or on actual cash value.
claim naic-homeowners#c4NAIC states that separate policies for flood or earthquake coverage also may be purchased by those in areas prone to these perils.
claim naic-homeowners#c5NAIC lists optional add-ons including coverage for unattached structures, personal property, medical payments, additional living expenses, sewer backup, and umbrella liability.
claim naic-homeowners#c6NAIC states that the lower the deductible amount, the higher the policy premium.
claim naic-homeowners#c7NAIC publishes A Consumer's Guide to Home Insurance and a home inventory app.
claim naic-homeowners#c8
Each claim above has its own address. Link to a single claim with/sources/naic-homeowners#c1, and read the same list with its identifiers, checksums and dates at naic-homeowners.json. A checksum lets you tell whether a claim you cited still says what it said.
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Reviewer notes
Fetched 2026-08-31; both claims read verbatim and the displayed last updated date of 10/25/2025 recorded as publishedDate, correcting an earlier draft that recorded this as unknown. The page does not name HO-3 or any other specific form and does not discuss endorsements, so it is not cited for form-specific behavior. Published: 2025-10-25