What is in a standard homeowners insurance policy?

A standard homeowners insurance policy includes four essential types of coverage. They include:

1. Coverage for the structure of your home.
2. Coverage for your personal belongings.
3. Liability protection.
4. Additional living expenses in the event you are temporarily unable to live in your home because of a fire or other insured disaster.

1. The structure of your house

This part of your policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disaster listed in your policy. It will not pay for damage caused by a flood, earthquake or routine wear and tear. When purchasing coverage for the structure of your home, it is important to buy enough to rebuild your home.

Most standard policies also cover structures that are detached from your home such as a garage, tool shed or gazebo. Generally, these structures are covered for about 10% of the amount of insurance you have on the structure of your home. If you need more coverage, talk to your insurance agent about purchasing more insurance.

2. Your personal belongings

Your furniture, clothes, sports equipment and other personal items are covered if they are stolen or destroyed by fire, hurricane or other insured disaster. Most companies provide coverage for 50% to 70% of the amount of insurance you have on the structure of your home. So if you have $100,000 worth of insurance on the structure of your home, you would have between $50,000 to $70,000 worth of coverage for your belongings. The best way to determine if this is enough coverage is to conduct a home inventory.

This part of your policy includes off-premises coverage. This means that your belongings are covered anywhere in the world, unless you have decided against off-premises coverage. Some companies limit the amount to 10% of the amount of insurance you have for your possessions. You have up to $500 of coverage for unauthorized use of your credit cards.

Expensive items like jewelry, furs and silverware are covered, but there are usually dollar limits if they are stolen. Generally, you are covered for between $1,000 to $2,000 for all of your jewelry and furs. To insure these items to their full value, purchase a special personal property endorsement or floater and insure the item for it's appraised value. Coverage includes “accidental disappearance,” meaning coverage if you simply lose that item. And there is no deductible.

Trees, plants and shrubs are also covered under standard homeowners insurance. Generally you are covered for 5% of the insurance on the house—up to about $500 per item. Perils covered are theft, fire, lightning, explosion, vandalism, riot and even falling aircraft. They are not covered for damage by wind or disease.
3. Liability protection

Liability covers you against lawsuits for bodily injury or property damage that you or family members cause to other people. It also pays for damage caused by your pets. So, if your son, daughter or dog accidentally ruins your neighbor’s expensive rug, you are covered. However, if they destroy your rug, you are not covered.

The liability portion of your policy pays for both the cost of defending you in court and any court awards—up to the limit of your policy. You are also covered not just in your home, but anywhere in the world.

Liability limits generally start at about $100,000. However, experts recommend that you purchase at least $300,000 worth of protection. Some people feel more comfortable with even more coverage. You can purchase an umbrella or excess liability policy which provides broader coverage, including claims against you for libel and slander, as well as higher liability limits. Generally, umbrella policies cost between $200 to $350 for $1 million of additional liability protection.

Your policy also provides no-fault medical coverage. In the event a friend or neighbor is injured in your home, he or she can simply submit medical bills to your insurance company. This way, expenses are paid without a liability claim being filed against you. You can generally get $1,000 to $5,000 worth of this coverage. It does not, however, pay the medical bills for your family or your pet.
4. Additional living expenses

This pays the additional costs of living away from home if you can't live there due to damage from a fire, storm or other insured disaster. It covers hotel bills, restaurant meals and other living expenses incurred while your home is being rebuilt. Coverage for additional living expenses differs from company to company. Many policies provide coverage for about 20% of the insurance on your house. You can increase this coverage, however, for an additional premium. Some companies sell a policy that provides an unlimited amount of loss-of-use coverage, but for a limited amount of time.

If you rent out part of your house, this coverage also reimburses you for the rent that you would have collected from your tenant if your home had not been destroyed.

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2011 Mitsubishi Eclipes Spyder

2011 Mitsubishi Eclipes Spyder Model Comparison
Buyers Guide Comparison
Mitsubishi Eclipes Spyder GS-Sport Mitsubishi Eclipse GS No Vehicle Data No Vehicle Data
Year 2011
Make Mitsubishi
Model Eclipes Spyder
Trim
General Pricing
View: Expand All
Mitsubishi Eclipes Spyder GS-Sport Mitsubishi Eclipse GS No Vehicle Selected No Vehicle Selected
MSRP $27,799.00 $18,999.00 N/A N/A
Destination $745.00 $745.00 N/A N/A
Internet Price Get My Price Get My Price Get My Price Get My Price
Engines & Power
Mitsubishi Eclipes Spyder GS-Sport Mitsubishi Eclipse GS No Vehicle Selected No Vehicle Selected
Standard Engine 2.4L 162hp I4 2.4L 162hp I4 N/A N/A
Horsepower 162 @ 6000 RPM 162 @ 6000 RPM N/A N/A
Torque 162 @ 4000 RPM 162 @ 4000 RPM N/A N/A
Valves 4 4 N/A N/A
Displacement (cc) 2378 2378 N/A N/A
Bore X Stroke (in.) 3.4 X 3.9 3.4 X 3.9 N/A N/A
Compression Ratio 9.5:1 9.5:1 N/A N/A
Fuel Economy
Mitsubishi Eclipes Spyder GS-Sport Mitsubishi Eclipse GS No Vehicle Selected No Vehicle Selected
City (mpg) 19 20 N/A N/A
Highway (mpg) 26 28 N/A N/A
Exterior Dimensions & Weight
Mitsubishi Eclipes Spyder GS-Sport Mitsubishi Eclipse GS No Vehicle Selected No Vehicle Selected
Curb Weight - Automatic (lb.) 3516.4 3269.5 N/A N/A
Wheelbase (in.) 101.4 101.4 N/A N/A
Length (in.) 180.4 180.4 N/A N/A
Width (in.) 72.2 72.2 N/A N/A
Height (in.) N/A N/A N/A N/A
Track Front (in.) 61.8 61.8 N/A N/A
Track Rear (in.) 61.8 61.8 N/A N/A
Ground Clearance (in.) N/A N/A N/A N/A
Interior Dimensions
Mitsubishi Eclipes Spyder GS-Sport Mitsubishi Eclipse GS No Vehicle Selected No Vehicle Selected
Standard Seating 4 4 N/A N/A
Front Headroom (in.) 39.6 38.5 N/A N/A
Rear Headroom (in.) 35.7 34.6 N/A N/A
Front Legroom (in.) 42.8 42.8 N/A N/A
Rear Legroom (in.) 27.7 29.2 N/A N/A
Front Shoulder Room (in.) 54.2 54.2 N/A N/A
Rear Shoulder Room (in.) 40 51.2 N/A N/A
Front Hip Room (in.) 53.7 53.7 N/A N/A
Rear Hip Room (in.) 40.3 44.4 N/A N/A
Payload & Towing
Mitsubishi Eclipes Spyder GS-Sport Mitsubishi Eclipse GS No Vehicle Selected No Vehicle Selected
Passenger Volumn (cu. ft.) 81.3 97.3 N/A N/A
Steering, Suspension & Brakes
Mitsubishi Eclipes Spyder GS-Sport Mitsubishi Eclipse GS No Vehicle Selected No Vehicle Selected
Front Suspension strut strut N/A N/A
Rear Suspension multi-link multi-link N/A N/A
Tires 225/50R18 225/50R18 N/A N/A
Anti-Theft & Locks
Mitsubishi Eclipes Spyder GS-Sport Mitsubishi Eclipse GS No Vehicle Selected No Vehicle Selected
Power Door Locks Std. Std. N/A N/A
Braking & Traction
Mitsubishi Eclipes Spyder GS-Sport Mitsubishi Eclipse GS No Vehicle Selected No Vehicle Selected
4 Wheel Drive / All Wheel Drive front wheel drive front wheel drive N/A N/A
ABS Brakes (2 or 4 Wheel) Std. Std. N/A N/A
Limited Slip Differential or Axle N/A N/A N/A N/A
Vehicle Stability Control System Std. Std. N/A N/A
Entertainment, Communication & Navigation
Mitsubishi Eclipes Spyder GS-Sport Mitsubishi Eclipse GS No Vehicle Selected No Vehicle Selected
Radio N/A AM/FM N/A N/A
Cassette Player N/A N/A N/A N/A
CD Player N/A Yes N/A N/A
CD Changer Yes N/A N/A N/A
DVD Player N/A N/A N/A N/A
Navigation Aid N/A N/A N/A N/A
Interior
Mitsubishi Eclipes Spyder GS-Sport Mitsubishi Eclipse GS No Vehicle Selected No Vehicle Selected
Cruise Control Std. Std. N/A N/A
Tilt Steering Yes Yes N/A N/A
Telescopic Steering Column N/A N/A N/A N/A
Heating, Ventilation & Air Conditioning
Mitsubishi Eclipes Spyder GS-Sport Mitsubishi Eclipse GS No Vehicle Selected No Vehicle Selected
Air Conditioning Std. Std. N/A N/A
Safety
Mitsubishi Eclipes Spyder GS-Sport Mitsubishi Eclipse GS No Vehicle Selected No Vehicle Selected
Driver Airbag Std. Std. N/A N/A
Front Side Airbag Std. Std. N/A N/A
Passenger Side Airbag Std. Std. N/A N/A
Rear Side Airbag N/A N/A N/A N/A
Seats
Mitsubishi Eclipes Spyder GS-Sport Mitsubishi Eclipse GS No Vehicle Selected No Vehicle Selected
Driver Multi-Adjustable Power Seat Yes N/A N/A N/A
Roof
Mitsubishi Eclipes Spyder GS-Sport Mitsubishi Eclipse GS No Vehicle Selected No Vehicle Selected
Sunroof / Moonroof N/A N/A N/A N/A
Windows, Mirrors & Wipers