{"id":1373,"date":"2020-07-02T07:38:39","date_gmt":"2020-07-02T13:38:39","guid":{"rendered":"https:\/\/fmfic.com\/v3\/?page_id=1373"},"modified":"2021-01-05T11:57:54","modified_gmt":"2021-01-05T17:57:54","slug":"home-guard","status":"publish","type":"page","link":"https:\/\/fmfic.com\/v3\/home-guard\/","title":{"rendered":"Home Guard"},"content":{"rendered":"

Home Guard<\/h2>

Home Guard for owner occupied dwellings include:\n
HG3 \u2013 Replacement Coverage\n
HG2 Broadform \u2013 Actual cash value coverage\n
HG2 \u2013 Actual cash value or market value coverage<\/p><\/div> <\/div>

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Insurable Interest<\/h5>

Insurable interest exists when an insured person derives a financial or other kind of benefit from the continuous existence, without repairment or damage, of the insured object (or in the case of a person, their continued survival). A person has an insurable interest in something when loss of or damage to that thing would cause the person to suffer a financial or other kind of loss. Normally, insurable interest is established by ownership, possession, or direct relationship. For example, people have insurable interests in their own homes and vehicles, but not in their neighbors\u2019 homes and vehicles, and almost certainly not those of strangers.<\/p><\/div> <\/div><\/div> <\/div>

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Builder\u2019s risk insurance<\/h5>

Builder\u2019s risk insurance is a special type of property insurance which indemnifies against damage to buildings while they are under construction. Builder\u2019s risk insurance is \u201ccoverage that protects a person\u2019s or organization\u2019s insurable interest in materials, fixtures and\/or equipment being used in the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered cause<\/p><\/div> <\/div><\/div> <\/div> <\/div> <\/div><\/div>","protected":false},"excerpt":{"rendered":"

Home Guard Home Guard for owner occupied dwellings include: HG3 \u2013 Replacement Coverage HG2 Broadform \u2013 Actual cash value coverage HG2 \u2013 Actual cash value or market value coverage Insurable Interest Insurable interest exists when an insured person derives a financial or other kind of benefit from the continuous existence, without repairment or damage, of…
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