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Mark Houser talks about the various things you should consider in your owner's insurance policy.
It is important to know what is covered in your policy and what is not. The first thing you want to know is if you have a policy of HO1, HO2 or HO3. Next, you want to know what exclusions, conditions and backups you have in addition to the basic concepts covered by each standard policy.
You should never make a claim with an insurance company waiting to be told if it is covered by your policy or you do not need to know before you call. Why? As a homeowner, it is up to you to prove the claim to the insurance company about why they should pay it. If you do not know what is covered and what is not covered by your policy, it is very easy for an insurance company to deny you over the phone simply because you said the claim was something that is not covered, even if the claim is covered. .
Video credits to MAKEINSURANCEPAY YouTube channel