This document discusses various types of home and apartment insurance. It explains that home insurance policies are usually term contracts where the insured pays a premium each term. Insurers may charge lower premiums if the home has safety features that reduce risk. While subsidence is covered in some countries, it and other issues like mold are often not standard coverages in the US. The document lists various types of standardized homeowner's insurance policies and apartment insurance products offered, and provides contact information.

1. Apartment Insurance
By
CompleteMarkets
With
mjhallandcompany

2. The home insurance policy is
usually a term contract, i.e. a
contract that is in effect for a
fixed period of time. The payment
the insured makes to the insurer
is called the premium. The insured
must pay the insurer the premium
each term. Most insurers charge a
lower premium if it appears less
likely the home will be damaged or
destroyed: for example, if the
house is situated next to a fire
station or is equipped with fire
sprinklers and fire alarms; if the
house exhibits wind mitigation
measures, such as hurricane
shutters; or if the house has a
security system and has insurer­
approved locks installed.
Perpetual insurance, a type of
home insurance without a fixed
term, can also be obtained in
certain areas.

3. Home insurance in the United
States may differ from other
countries; for example, in
Britain, subsidence and subsequent
foundation failure is usually
covered under an insurance policy.
United States insurance companies
used to offer foundation
insurance, which was reduced to
coverage for damage due to leaks,
and finally eliminated altogether.
The insurance is often
misunderstood by its purchasers;
for example, many believe that
mold is covered when it is not a
standard coverage.

4. Home insurance in the United
States may differ from other
countries; for example, in
Britain, subsidence and subsequent
foundation failure is usually
covered under an insurance policy.
United States insurance companies
used to offer foundation
insurance, which was reduced to
coverage for damage due to leaks,
and finally eliminated altogether.
The insurance is often
misunderstood by its purchasers;
for example, many believe that
mold is covered when it is not a
standard coverage.

5. The Insurance Services Office has
standardized the following
homeowner's insurance policy forms
in general use[citation needed]
(names of the forms are given per
the following reference :
Dwelling Fire Form

Basic Form

Broad Form

Special Form

Contents Broad Form

Comprehensive Form

Unit­Owners Form

Modified Coverage Form


6. We offers :
Apartment Buildings Insurance
Apartment Complexes Garage
Liability Insurance
Apartment Earthquake and Flood
Insurance
Apartment Excess Liability
Insurance
Apartment Houses Insurance
Apartment Houses Umbrella
Liability Insurance
Apartments General Liability
Insurance
Apartments Insurance
Tenant Discrimination Insurance
Umbrella and Excess Liability
Insurance

7. Connect Us :
CompleteMarkets/INSOMIS Corp.
Mailing : P.O. Box 542. Big Bear
City, CA 92314­0542
Physical : 41965 Big Bear Blvd.
Big Bear Lake, CA 92315
Phone: (800) 753­4467, (909) 547­
6212 (International)
Fax: (909) 547­6216
For Support:
support@CompleteMarkets.com
(market requests, provider info)
Web :
https://completemarkets.com/compan
y/mjhallandcompany/Apartments­
Hotels­and­Mobile­Home­Parks/