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Information for you(fyi)–9 out of 10 homeowners have property insurance, but only 30% have 
Personal Risk and Damages coverage. Many renters are mistaken in thinking that the 
conclusion of insurance contracts should be carried out by the lessor. 
Objective 3: To determine the factors affecting property insurance 
Why property insurance and what is the impact on life expectancy? What types of insurance should 
you get in the next 5 years and why? What sources should be used to get information about these 
insurance contracts>? 
Property insurance prices 
As with any insurance purchase, it is necessary to seek the correct pro¬tection at the lowest cost. 
This process includes making sure you have the right amount of property insurance. In addition, 
attention should be paid to the factors that affect the cost of property insurance. The value of a 
home and furniture represents the largest investment many people make. It makes good sense to 
buy a carefully selected insurance plan to protect your data. 
Choice of covers 
Suppose a family had a house built in 2004 for $180,000. The amount of insurance for them. If the 
cost of building a similar house today is $220,000, the current replacement value of the house 
would be $220,000. If the house is destroyed by fire, the insurance company still family 
$ 180,000 to'lash mumkin.Ba'zi sug'urta kompaniyalari narx darajasi oshishi bilan mulk yoritishda 
avtomatik ortadi beradi. prop¬erty deb almashtirish qiymati kamida 80 foizga sug'urtalangan bo'lsa 
Boshqalar joriy almashtirish qiymatini to'laydi.Bino xarajatlar va mulkiy qadriyatlar deyarlihar yili 
oshirish. Mulk own¬ers muntazam ravishda o'z diyorlaridan qiymatini va sug'urtalashni ko'rib 
kerak. Ular o'z mollarini almashtirish narxini aniqlash kerak. Ular sug'urta siyosat yetarli himoya 
taqdim ishonch hosil qilish kerak.Maxsus saqlash cor¬rectly shaxsiy mol-mulk qiymatinibaholash 
uchun olinishi lozim. shaxsiy mulk ko'p narsalarni o'z ichiga oladi, chunki, ba'zi over¬looked 
mumkin. Eng uy-joy mulkdorlari siyosat uchun 50 shaxsiy mulk qamrovini pro¬videMisol uchun 
: If your home is insured for $100,000, your personal property must be insured for 60% of that 
amount, in your case $60,000. The value of the property you own may increase over the years. yes, 
home 

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the value of the owners' personal property will be much cheaper than the insurance coverage. In 
addition, the insurance cover also provides for small gifts.