Home Insurance quotes offer several levels of protection in the wake of potentially catastrophic losses. This protection is vitally important for homeowners as well as mortgage companies. Home insurance quotes and premiums can vary widely based on many factors, so a little education can go a long way with respect to available options.

Is replacement cost coverage available for your home? One of the biggest surprises to homeowners who need to file a house insurance claim is that insurance losses are often paid based on the actual cash value (replacement cost of property minus depreciation) of their property. Only after items are replaced or repairs are complete can you submit a supplemental claim for the deducted depreciation. This represents unexpected out of pocket expenses for consumers—over and above their home insurance deductible—that can provide a bit of a shock when the time comes to pay the bills. Fortunately– in the event of a covered loss– if your property meets certain guidelines with several top insurers; you can receive full replacement cost for your damaged property up front. USA Coverage can help you zero in on the top house insurance companies with the best plans to provide the best chance that you’re made whole after your covered claim is adjusted by company professionals.

Call our Home Insurance Expert on: (888) 294-8052

We provide the information you need to make sound homeowner’s insurance decisions as well as quick responses to requests for no obligation, risk free home insurance quotes from the best companies in the USA…

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Call our Home Insurance Expert on: (888) 294-8052


Total Loss

A incident involving damage to your property, such as the results of a fire or tornado, may result in a total loss, where nothing is salvagable

Total Annual Loan Cost

One of the things that can affect the equity on your home is a financial package known as a reverse mortgage, which allows you to tap into that equity.

Adhesion Insurance Contract

An adhesion insurance contract is one that all of us have signed, as this refers to a binding contract between you and the insurance company.

Ad Valorem

Ad valorem taxes are a type of tax that is applied to your property by the government entities. You will see this as a part of your payment.

Accelerated Depreciation

In business it is common to accelerate the depreciation of an object in order to save on taxes, but bear in mind that this may reduce what you can recover from a loss.

Replacement Cost

In most cases, when you are looking at homeowner coverage, you will want to pay the extra money for replacement cost coverage on your items.


When your insurance company puts together the home insurance policies, they will lay out the perils that they are going to protect you from loss.

Home Insurance Articles

  • Total Loss
  • Total Annual Loan Cost
  • Adhesion Insurance Contract
  • Additional Living Expense Loss
  • Ad Valorem
  • Accelerated Depreciation
  • Replacement Cost
  • Peril
  • Non Recourse Mortgage
  • Named Perils

Home Insurance Resources

  • Home Insurance Definitions
  • Home Insurance Q&A

Non Recourse Mortgage

When considering your home, one of the possible financing methods is a non recourse mortgage, in which the mortgage is secured only by the property.

Named Perils

One of the types of insurance policies that you may encounter is called a named perils policy. This policy will only cover losses specifically laid out therein.


Call our Home Insurance Expert on: (888) 294-8052