Although your homeowner's insurance may seem like an unnecessary expense at times, it is an invaluable safeguard.
Property and casualty risk research firm ISO -- Verisk Analytics states 5.3 percent of all insured homes made a claim in 2014. In addition, the Insurance Information Institute (III) and SNL Financial reported that the incurred losses for homeowner's insurance in the United States totaled $39.84 billion in 2014. This data indicates that even though only a small percentage of homeowners submit home insurance claims, the overall costs associated with these claims can be substantial.
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