{"id":7846,"date":"2020-01-06T05:30:00","date_gmt":"2020-01-06T12:30:00","guid":{"rendered":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/?p=7846"},"modified":"2020-01-06T15:01:21","modified_gmt":"2020-01-06T22:01:21","slug":"decoding-homeowners-insurance-10-terms-for-first-timers","status":"publish","type":"post","link":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/in-house-news\/decoding-homeowners-insurance-10-terms-for-first-timers","title":{"rendered":"Decoding Homeowners Insurance: 10 Terms for First-Timers"},"content":{"rendered":"\r\n<figure class=\"wp-block-image size-large\"><img  loading=\"lazy\"  decoding=\"async\"  class=\"alignnone size-full wp-image-7887 pk-lqip pk-lazyload\"  src=\"https:\/\/media.arizonafoothillsmagazine.com\/in-house\/wp-content\/uploads\/2020\/01\/25135037\/hippo-blog-image1-80x42.jpg\"  alt=\"\"  width=\"1500\"  height=\"784\"  data-pk-sizes=\"auto\"  data-ls-sizes=\"auto, (max-width: 1500px) 100vw, 1500px\"  data-pk-src=\"https:\/\/media.arizonafoothillsmagazine.com\/in-house\/wp-content\/uploads\/2020\/01\/25135037\/hippo-blog-image1.jpg\"  data-pk-srcset=\"https:\/\/media.arizonafoothillsmagazine.com\/in-house\/wp-content\/uploads\/2020\/01\/25135037\/hippo-blog-image1.jpg 1500w, https:\/\/media.arizonafoothillsmagazine.com\/in-house\/wp-content\/uploads\/2020\/01\/25135037\/hippo-blog-image1-300x157.jpg 300w, https:\/\/media.arizonafoothillsmagazine.com\/in-house\/wp-content\/uploads\/2020\/01\/25135037\/hippo-blog-image1-1024x535.jpg 1024w, https:\/\/media.arizonafoothillsmagazine.com\/in-house\/wp-content\/uploads\/2020\/01\/25135037\/hippo-blog-image1-768x401.jpg 768w, https:\/\/media.arizonafoothillsmagazine.com\/in-house\/wp-content\/uploads\/2020\/01\/25135037\/hippo-blog-image1-380x199.jpg 380w, https:\/\/media.arizonafoothillsmagazine.com\/in-house\/wp-content\/uploads\/2020\/01\/25135037\/hippo-blog-image1-800x418.jpg 800w, https:\/\/media.arizonafoothillsmagazine.com\/in-house\/wp-content\/uploads\/2020\/01\/25135037\/hippo-blog-image1-1160x606.jpg 1160w, https:\/\/media.arizonafoothillsmagazine.com\/in-house\/wp-content\/uploads\/2020\/01\/25135037\/hippo-blog-image1-80x42.jpg 80w, https:\/\/media.arizonafoothillsmagazine.com\/in-house\/wp-content\/uploads\/2020\/01\/25135037\/hippo-blog-image1-750x392.jpg 750w, https:\/\/media.arizonafoothillsmagazine.com\/in-house\/wp-content\/uploads\/2020\/01\/25135037\/hippo-blog-image1-620x324.jpg 620w, https:\/\/media.arizonafoothillsmagazine.com\/in-house\/wp-content\/uploads\/2020\/01\/25135037\/hippo-blog-image1-850x444.jpg 850w\" ><\/figure>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">You\u2019ve saved your hard-earned dollars for years and you shouldn\u2019t part with it easily or uninformed. You\u2019ve searched and toured open-houses and imagined how your furniture, artwork, and other belongings would look in this home versus the next. After all your searching, you\u2019ve finally found\u00a0<em>the<\/em> perfect house. The process of making the biggest investment of your life can be complex and intimidating, but your search is over. And now, you need to care for that investment. Caring for your new home goes beyond weekends spent at Home Depot and DIY painting and landscaping \u2013 the most important way to care for your first home is by investing in homeowners insurance which will safeguard damage to the property and your financial well-being.\u00a0<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">While not required, homeowners insurance is standard practice (you\u2019ll be hard pressed to acquire any type of home loan without a policy), and no one wants to be caught without coverage in the event of fire, theft or really anything more significant than minor property damage. All homeowners insurance policies are comprehensive agreements with dozens of elements and subcategories of coverage that cater to your specific needs. But some companies go the extra mile to strip the complexity away from the process, making the nitty gritty approachable, cutting through the jargon and providing transparency.\u00a0<a href=\"https:\/\/myhippo.com\/\">Hippo\u00a0<\/a>believes that helping customers make informed decisions about protecting their greatest financial asset ultimately provides a level of comfort and security in understanding precisely what they need, what they don\u2019t need, and how to build the perfect policy.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Yes, there\u2019s plenty of fine print \u2013 and you should read it all \u2013 but there are some essential terms that you need to understand when evaluating your policy. Here are 10 terms you need to be aware of as a new homeowner:<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>Deductible<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">This is where you come in. The\u00a0<a href=\"https:\/\/www.iii.org\/article\/understanding-your-insurance-deductibles\">deductible<\/a>\u00a0is the way policyholders and insurers share the cost of coverage; the amount a homeowner must pay before any insurance claims or reimbursements can be made. Usually, a higher deductible means the homeowner pays lower monthly premiums, but higher out-of-pocket responsibility in the case of a claim.\u00a0<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>Liability Insurance<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Your homeowners insurance policy will likely have a liability component that protects you and your family from legal claims that result from injuries that occur on your property. Liability also covers the medical costs and compensation for these damages, as well as the legal fees for your defense.\u00a0<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>Umbrella Policy<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">An Umbrella Policy provides extra liability coverage, an added layer of protection to your standard policy, to protect against lawsuits stemming from damages to other people\u2019s property or accidental injury. Umbrella policies go above and beyond the liability portion of most policies and can add to peace of mind.\u00a0<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><em>PRO TIP: Smart devices like home security systems, video doorbells and carbon monoxide detectors can\u00a0<a href=\"https:\/\/www.investopedia.com\/insurance\/homeowners-insurance-guide\/\">save you an average of 5%<\/a>\u00a0on insurance premiums annually.<\/em><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>Dwelling Protection<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">This covers the nuts and bolts of the home \u2013 or dwelling \u2013 and all the components that are actually attached, from carpeting and fireplaces to attached garages, decks and porches. Under Dwelling Protection, the policy may help to pay to rebuild or repair structures damaged by any covered hazard, like fire and severe storms. There is also additional,\u00a0<em>optional<\/em>, Enhanced Dwelling Protection that can be purchased to ensure that all rebuilding costs are covered.\u00a0<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>Other Structures Protection<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">This portion of coverage applies to all \u201cother structures\u201d on your property like fences, carports, sheds and other detached buildings. Other Structures Protection typically covers the cost of these structures up to 10 percent of the total protection of your dwelling coverage (i.e. if your home is insured for $250,000, you\u2019re covered up to $25,000 for other structures at no cost), but you can always purchase additional coverage at a relatively low cost in most cases.\u00a0<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>Actual Cash Value (ACV)<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">This is the actual value of lost or damaged property at the time of loss and\/or damage. This value takes depreciation into account.\u00a0<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>Replacement Cost<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">This is the cost of replacing damaged or lost property at the current market value, not taking into consideration depreciation, necessary to restore or replace your home or your belongings to their original state.\u00a0<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>Extended Replacement Cost<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Whereas Replacement Coverage covers the cost of repairing or rebuilding your home to its condition prior to the damage, without taking depreciation into account \u2014 that is, covering the amount for which your home is insured \u2014 Extended Replacement Cost enhances your standard policy coverage typically 25% to 50%, helping to account for increased market value of rebuilding.\u00a0\u00a0<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><em><a href=\"https:\/\/www.nerdwallet.com\/blog\/insurance\/understanding-homeowners-insurance\/\">PRO TIP:\u00a0<\/a><\/em><em>To ensure you\u2019re covered beyond just your home\u2019s real estate market value, find out what local construction costs per square foot are in your area and multiply that by the square footage of your home. This will give you a more complete picture of rebuilding costs. Also, take inventory of your belongings and record their value so you know exactly what may be lost to potential damage.<\/em><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>Additional Living Expense<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Should something happen to your home that makes it uninhabitable while repairs are in progress, this coverage will pay for your temporary housing (which may be a hotel for a short time or an apartment or rental home for longer repairs), clothing, pet boarding, and even baby supplies. Depending on your needs and the needs of your family, a daily allowance will be established.<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\"><strong>Insurance Adjuster<\/strong><\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Not to be confused with an insurance\u00a0<em>agent\u00a0<\/em>(one who sells insurance), an\u00a0<a href=\"https:\/\/www.investopedia.com\/terms\/c\/claims-adjuster.asp\">adjuster\u00a0<\/a>is the person you call when the roof caves in, literally or figuratively. This is the person responsible for filing, assessing and ultimately paying out on your claim.\u00a0<\/p>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">There are dozens of insider insurance terms and phrases that can make this whole process seem convoluted and overwhelming. However, it\u2019s worth spending the time to get to know some of the most important terms that make vital differences to the type of homeowners insurance you will need.\u00a0 Every nuanced word in a homeowners policy is intended to make each individual contract perfectly suited to your needs and wants as a homeowner.\u00a0<em>&#8212; By Julie Dibble, <a href=\"https:\/\/myhippo.com\/\">Hippo Insurance<\/a> <\/em><\/p>\r\n","protected":false},"excerpt":{"rendered":"You\u2019ve saved your hard-earned dollars for years and you shouldn\u2019t part with it easily or uninformed. You\u2019ve searched&hellip;\n","protected":false},"author":16,"featured_media":7848,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[6],"tags":[4368,1648,4370,4371,4369,4372],"class_list":["post-7846","post","type-post","status-publish","format-standard","has-post-thumbnail","category-in-house-news","tag-decoding-homeowners-insurance","tag-featured","tag-hippo","tag-hippo-insurance","tag-homeowners-insurance-terms","tag-julie-dibble","cs-entry","cs-video-wrap"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Decoding Homeowners Insurance: 10 Terms for First-Timers<\/title>\n<meta name=\"description\" content=\"You\u2019ve saved your hard-earned dollars for years and you shouldn\u2019t part with it easily or uninformed. You\u2019ve searched and toured open-houses and imagined\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/in-house-news\/decoding-homeowners-insurance-10-terms-for-first-timers\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Decoding Homeowners Insurance: 10 Terms for First-Timers\" \/>\n<meta property=\"og:description\" content=\"You\u2019ve saved your hard-earned dollars for years and you shouldn\u2019t part with it easily or uninformed. You\u2019ve searched and toured open-houses and imagined\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/in-house-news\/decoding-homeowners-insurance-10-terms-for-first-timers\" \/>\n<meta property=\"og:site_name\" content=\"In House\" \/>\n<meta property=\"article:published_time\" content=\"2020-01-06T12:30:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-01-06T22:01:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/media.arizonafoothillsmagazine.com\/in-house\/wp-content\/uploads\/2020\/01\/25134903\/GettyImages-1139422738.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1500\" \/>\n\t<meta property=\"og:image:height\" content=\"1011\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Melissa Larsen\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.arizonafoothillsmagazine.com\\\/in-house\\\/in-house-news\\\/decoding-homeowners-insurance-10-terms-for-first-timers#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.arizonafoothillsmagazine.com\\\/in-house\\\/in-house-news\\\/decoding-homeowners-insurance-10-terms-for-first-timers\"},\"author\":{\"name\":\"Melissa Larsen\",\"@id\":\"https:\\\/\\\/www.arizonafoothillsmagazine.com\\\/in-house\\\/#\\\/schema\\\/person\\\/b81c9bf44d50749545b537b491a72c24\"},\"headline\":\"Decoding Homeowners Insurance: 10 Terms for First-Timers\",\"datePublished\":\"2020-01-06T12:30:00+00:00\",\"dateModified\":\"2020-01-06T22:01:21+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.arizonafoothillsmagazine.com\\\/in-house\\\/in-house-news\\\/decoding-homeowners-insurance-10-terms-for-first-timers\"},\"wordCount\":1024,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.arizonafoothillsmagazine.com\\\/in-house\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.arizonafoothillsmagazine.com\\\/in-house\\\/in-house-news\\\/decoding-homeowners-insurance-10-terms-for-first-timers#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/media.arizonafoothillsmagazine.com\\\/in-house\\\/wp-content\\\/uploads\\\/2020\\\/01\\\/25134903\\\/GettyImages-1139422738.jpg\",\"keywords\":[\"decoding homeowners insurance\",\"featured\",\"hippo\",\"hippo insurance\",\"homeowners insurance terms\",\"julie dibble\"],\"articleSection\":[\"In House News\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.arizonafoothillsmagazine.com\\\/in-house\\\/in-house-news\\\/decoding-homeowners-insurance-10-terms-for-first-timers#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.arizonafoothillsmagazine.com\\\/in-house\\\/in-house-news\\\/decoding-homeowners-insurance-10-terms-for-first-timers\",\"url\":\"https:\\\/\\\/www.arizonafoothillsmagazine.com\\\/in-house\\\/in-house-news\\\/decoding-homeowners-insurance-10-terms-for-first-timers\",\"name\":\"Decoding Homeowners Insurance: 10 Terms for First-Timers\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.arizonafoothillsmagazine.com\\\/in-house\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.arizonafoothillsmagazine.com\\\/in-house\\\/in-house-news\\\/decoding-homeowners-insurance-10-terms-for-first-timers#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.arizonafoothillsmagazine.com\\\/in-house\\\/in-house-news\\\/decoding-homeowners-insurance-10-terms-for-first-timers#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/media.arizonafoothillsmagazine.com\\\/in-house\\\/wp-content\\\/uploads\\\/2020\\\/01\\\/25134903\\\/GettyImages-1139422738.jpg\",\"datePublished\":\"2020-01-06T12:30:00+00:00\",\"dateModified\":\"2020-01-06T22:01:21+00:00\",\"description\":\"You\u2019ve saved your hard-earned dollars for years and you shouldn\u2019t part with it easily or uninformed. You\u2019ve searched and toured open-houses and imagined\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.arizonafoothillsmagazine.com\\\/in-house\\\/in-house-news\\\/decoding-homeowners-insurance-10-terms-for-first-timers\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.arizonafoothillsmagazine.com\\\/in-house\\\/in-house-news\\\/decoding-homeowners-insurance-10-terms-for-first-timers#primaryimage\",\"url\":\"https:\\\/\\\/media.arizonafoothillsmagazine.com\\\/in-house\\\/wp-content\\\/uploads\\\/2020\\\/01\\\/25134903\\\/GettyImages-1139422738.jpg\",\"contentUrl\":\"https:\\\/\\\/media.arizonafoothillsmagazine.com\\\/in-house\\\/wp-content\\\/uploads\\\/2020\\\/01\\\/25134903\\\/GettyImages-1139422738.jpg\",\"width\":1500,\"height\":1011,\"caption\":\"concept of housing and relocation. happy family mother father and kids with roof at a home\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.arizonafoothillsmagazine.com\\\/in-house\\\/#website\",\"url\":\"https:\\\/\\\/www.arizonafoothillsmagazine.com\\\/in-house\\\/\",\"name\":\"In House\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.arizonafoothillsmagazine.com\\\/in-house\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.arizonafoothillsmagazine.com\\\/in-house\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.arizonafoothillsmagazine.com\\\/in-house\\\/#organization\",\"name\":\"AZFoothills.com LLC\",\"url\":\"https:\\\/\\\/www.arizonafoothillsmagazine.com\\\/in-house\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.arizonafoothillsmagazine.com\\\/in-house\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/media.arizonafoothillsmagazine.com\\\/in-house\\\/wp-content\\\/uploads\\\/2021\\\/06\\\/25151206\\\/apple-touch-icon.jpg\",\"contentUrl\":\"https:\\\/\\\/media.arizonafoothillsmagazine.com\\\/in-house\\\/wp-content\\\/uploads\\\/2021\\\/06\\\/25151206\\\/apple-touch-icon.jpg\",\"width\":180,\"height\":180,\"caption\":\"AZFoothills.com LLC\"},\"image\":{\"@id\":\"https:\\\/\\\/www.arizonafoothillsmagazine.com\\\/in-house\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.arizonafoothillsmagazine.com\\\/in-house\\\/#\\\/schema\\\/person\\\/b81c9bf44d50749545b537b491a72c24\",\"name\":\"Melissa Larsen\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/dff7c3364e1107fe5398c7c43a48ba88d17e3c684223ba719d9904a4565675be?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/dff7c3364e1107fe5398c7c43a48ba88d17e3c684223ba719d9904a4565675be?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/dff7c3364e1107fe5398c7c43a48ba88d17e3c684223ba719d9904a4565675be?s=96&d=mm&r=g\",\"caption\":\"Melissa Larsen\"},\"url\":\"https:\\\/\\\/www.arizonafoothillsmagazine.com\\\/in-house\\\/author\\\/melissa\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Decoding Homeowners Insurance: 10 Terms for First-Timers","description":"You\u2019ve saved your hard-earned dollars for years and you shouldn\u2019t part with it easily or uninformed. You\u2019ve searched and toured open-houses and imagined","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/in-house-news\/decoding-homeowners-insurance-10-terms-for-first-timers","og_locale":"en_US","og_type":"article","og_title":"Decoding Homeowners Insurance: 10 Terms for First-Timers","og_description":"You\u2019ve saved your hard-earned dollars for years and you shouldn\u2019t part with it easily or uninformed. You\u2019ve searched and toured open-houses and imagined","og_url":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/in-house-news\/decoding-homeowners-insurance-10-terms-for-first-timers","og_site_name":"In House","article_published_time":"2020-01-06T12:30:00+00:00","article_modified_time":"2020-01-06T22:01:21+00:00","og_image":[{"width":1500,"height":1011,"url":"https:\/\/media.arizonafoothillsmagazine.com\/in-house\/wp-content\/uploads\/2020\/01\/25134903\/GettyImages-1139422738.jpg","type":"image\/jpeg"}],"author":"Melissa Larsen","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/in-house-news\/decoding-homeowners-insurance-10-terms-for-first-timers#article","isPartOf":{"@id":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/in-house-news\/decoding-homeowners-insurance-10-terms-for-first-timers"},"author":{"name":"Melissa Larsen","@id":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/#\/schema\/person\/b81c9bf44d50749545b537b491a72c24"},"headline":"Decoding Homeowners Insurance: 10 Terms for First-Timers","datePublished":"2020-01-06T12:30:00+00:00","dateModified":"2020-01-06T22:01:21+00:00","mainEntityOfPage":{"@id":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/in-house-news\/decoding-homeowners-insurance-10-terms-for-first-timers"},"wordCount":1024,"commentCount":0,"publisher":{"@id":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/#organization"},"image":{"@id":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/in-house-news\/decoding-homeowners-insurance-10-terms-for-first-timers#primaryimage"},"thumbnailUrl":"https:\/\/media.arizonafoothillsmagazine.com\/in-house\/wp-content\/uploads\/2020\/01\/25134903\/GettyImages-1139422738.jpg","keywords":["decoding homeowners insurance","featured","hippo","hippo insurance","homeowners insurance terms","julie dibble"],"articleSection":["In House News"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.arizonafoothillsmagazine.com\/in-house\/in-house-news\/decoding-homeowners-insurance-10-terms-for-first-timers#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/in-house-news\/decoding-homeowners-insurance-10-terms-for-first-timers","url":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/in-house-news\/decoding-homeowners-insurance-10-terms-for-first-timers","name":"Decoding Homeowners Insurance: 10 Terms for First-Timers","isPartOf":{"@id":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/in-house-news\/decoding-homeowners-insurance-10-terms-for-first-timers#primaryimage"},"image":{"@id":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/in-house-news\/decoding-homeowners-insurance-10-terms-for-first-timers#primaryimage"},"thumbnailUrl":"https:\/\/media.arizonafoothillsmagazine.com\/in-house\/wp-content\/uploads\/2020\/01\/25134903\/GettyImages-1139422738.jpg","datePublished":"2020-01-06T12:30:00+00:00","dateModified":"2020-01-06T22:01:21+00:00","description":"You\u2019ve saved your hard-earned dollars for years and you shouldn\u2019t part with it easily or uninformed. You\u2019ve searched and toured open-houses and imagined","inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.arizonafoothillsmagazine.com\/in-house\/in-house-news\/decoding-homeowners-insurance-10-terms-for-first-timers"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/in-house-news\/decoding-homeowners-insurance-10-terms-for-first-timers#primaryimage","url":"https:\/\/media.arizonafoothillsmagazine.com\/in-house\/wp-content\/uploads\/2020\/01\/25134903\/GettyImages-1139422738.jpg","contentUrl":"https:\/\/media.arizonafoothillsmagazine.com\/in-house\/wp-content\/uploads\/2020\/01\/25134903\/GettyImages-1139422738.jpg","width":1500,"height":1011,"caption":"concept of housing and relocation. happy family mother father and kids with roof at a home"},{"@type":"WebSite","@id":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/#website","url":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/","name":"In House","description":"","publisher":{"@id":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/#organization","name":"AZFoothills.com LLC","url":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/#\/schema\/logo\/image\/","url":"https:\/\/media.arizonafoothillsmagazine.com\/in-house\/wp-content\/uploads\/2021\/06\/25151206\/apple-touch-icon.jpg","contentUrl":"https:\/\/media.arizonafoothillsmagazine.com\/in-house\/wp-content\/uploads\/2021\/06\/25151206\/apple-touch-icon.jpg","width":180,"height":180,"caption":"AZFoothills.com LLC"},"image":{"@id":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/#\/schema\/person\/b81c9bf44d50749545b537b491a72c24","name":"Melissa Larsen","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/dff7c3364e1107fe5398c7c43a48ba88d17e3c684223ba719d9904a4565675be?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/dff7c3364e1107fe5398c7c43a48ba88d17e3c684223ba719d9904a4565675be?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/dff7c3364e1107fe5398c7c43a48ba88d17e3c684223ba719d9904a4565675be?s=96&d=mm&r=g","caption":"Melissa Larsen"},"url":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/author\/melissa"}]}},"_links":{"self":[{"href":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/wp-json\/wp\/v2\/posts\/7846","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/wp-json\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/wp-json\/wp\/v2\/comments?post=7846"}],"version-history":[{"count":2,"href":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/wp-json\/wp\/v2\/posts\/7846\/revisions"}],"predecessor-version":[{"id":7888,"href":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/wp-json\/wp\/v2\/posts\/7846\/revisions\/7888"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/wp-json\/wp\/v2\/media\/7848"}],"wp:attachment":[{"href":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/wp-json\/wp\/v2\/media?parent=7846"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/wp-json\/wp\/v2\/categories?post=7846"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.arizonafoothillsmagazine.com\/in-house\/wp-json\/wp\/v2\/tags?post=7846"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}