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home insurance vs fire and flood
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[QUOTE="Alexandoy, post: 68834, member: 25510"] Having the home insured is a requirement of the bank mortgage. That’s how we bought our home so we needed to get a fire insurance. In 2009 when the great flood hit Metro Manila and suburbs many homes were inundated and the insurance did not share in the expense for the damages simply because the insurance was only for fire. Now the home insurance also covers flood and earthquake. When our mortgage was fully paid we stopped getting the fire insurance because it was expensive. Our area is not susceptible to fires anyway because the houses are not near each other and there was no incident of fire here. [/QUOTE]
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