{"id":369398,"date":"2016-04-04T10:47:24","date_gmt":"2016-04-04T15:47:24","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/realestate\/owning-a-home\/home-insurance-coverage-issues-in-depth.html"},"modified":"2024-01-17T09:54:49","modified_gmt":"2024-01-17T14:54:49","slug":"home-insurance-coverage-issues-in-depth","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/realestate\/owning-a-home\/home-insurance-coverage-issues-in-depth.html","title":{"rendered":"How To Understand Your Home Insurance Coverage"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">How To Understand Your Home Insurance Coverage<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/robert-rafii-esq\/\">Robert Rafii, Esq.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/robert-rafii-esq\/\">Robert Rafii, Esq.<\/a>\n                | Last updated\n        <time>\n                            January 17, 2024\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>There are many options for procuring home insurance coverage. You can often&nbsp;find a coverage policy that meets your needs or the requirements of your lender&nbsp;during the home-buying process. One of the downsides, however, is that having so many unique policies can be confusing. Choosing the best policy for your situation is a challenge, even&nbsp;more so&nbsp;when you&#8217;re trying to figure out what homeowners insurance covers.<\/p>\r\n<p>Before you decide on a policy or group of policies for your home, you may want to consider some of the more in-depth issues focused on&nbsp;real estate dwelling coverage. This will help you determine whether you need additional coverage, property insurance, and coverage limits. Moreover, you&#8217;ll have a better grasp of factors that can affect your insurance premiums, payouts, and levels of coverage.<\/p>\r\n<h3>Things That Can Limit or Deny Coverage<\/h3>\r\n<p>Limitations and exclusions can alter the provisions of coverage in an insurance policy. A limitation is an exception to the general scope of coverage and&nbsp;is applicable only under certain circumstances or for a specified period. An exclusion is a broader exception. It often rules out coverage for such things as intentional acts. It can affect whether the policy covers&nbsp;<a href=\"https:\/\/www.findlaw.com\/injury\/accident-injury-law\/proving-fault-what-is-negligence.html\">damages due to negligent acts<\/a>. If an exclusion or limitation applies,&nbsp;<a href=\"https:\/\/www.findlaw.com\/realestate\/owning-a-home\/what-to-do-if-your-home-insurance-claim-is-denied.html\">your home insurance claim may be denied<\/a>.<\/p>\r\n<p>Some examples of exclusions and limitations include:<\/p>\r\n<ul>\r\n<li><b>Violations of law<\/b>:&nbsp;You were breaking the law when the accident occurred<\/li>\r\n<li><b>Willful misconduct<\/b>:&nbsp;You purposefully broke the item for which you&#8217;re filing a loss of use claim<\/li>\r\n<li><b>Uncovered events<\/b>:&nbsp;Your standard policy might not cover damage from natural disasters, bodily injury, or vandalism. You might need to look into the&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/insurance\/flood-insurance.html\">National Flood Insurance Program<\/a>, Earthquake Coverage, Renters Insurance, and so on. Insurance products like earthquake insurance are often&nbsp;separate and distinct from standard homeowners insurance.<\/li>\r\n<\/ul>\r\n<p>Your policy limits are not just guided by a set&nbsp;dollar figure, but also by the type of occurrence. Property damage arising from personal property coverage might not extend to special items like antiques or collectibles. The insurance company might not extend replacement cost coverage for property lost after water damage in a windstorm. Therefore, it&#8217;s important to verify the list of covered losses with your insurance company so you can properly secure:<\/p>\r\n<ul>\r\n<li>Your personal belongings and additional living expenses after an accident<\/li>\r\n<li>The extent of your personal liability to others<\/li>\r\n<li>The amount of coverage you need<\/li>\r\n<\/ul>\r\n<h3>How Insurance Companies Determine Eligibility and Rates<\/h3>\r\n<p>State insurance laws dictate the manner in which insurance companies may conduct:<\/p>\r\n<ul>\r\n<li>Marketing<\/li>\r\n<li>Underwriting, which&nbsp;determines&nbsp;which policyholders or risks to accept or reject for coverage<\/li>\r\n<li>Rate activities<\/li>\r\n<\/ul>\r\n<p>Insurance underwriting decisions must be based on reasons that are related in some way to the risk that is to be insured. For example, home insurance companies might reject an applicant based on risks that come with:<\/p>\r\n<ul>\r\n<li>The location of the property<\/li>\r\n<li>The applicant&#8217;s financial standing<\/li>\r\n<li>The type of coverage sought<\/li>\r\n<\/ul>\r\n<p>You may have trouble insuring your property if&nbsp;insurance companies consider you or your property to be&nbsp;high risk.&nbsp;In these situations, your state may offer a &quot;Fair Plan&quot; or Fair Access to Insurance Requirements (FAIR Program). To learn more about the programs available in your state, you should consult with your state&#8217;s respective insurance department or division.<\/p>\r\n<h2>Cancellation or Discontinuation of Your Coverage<\/h2>\r\n<p>Some states also have laws limiting an insurance company&#8217;s ability to cancel or discontinue coverage once a policy has been issued. Suppose a company representative gives you an insurance quote and then fails to honor it. If an insurance agent deceived you or otherwise misrepresented facts about an insurance product, you may have recourse under the laws of your state. In all U.S. states, it is illegal to refuse insurance on the basis of:<\/p>\r\n<ul>\r\n<li>Race<\/li>\r\n<li>Color<\/li>\r\n<li>Sex<\/li>\r\n<li>Religion<\/li>\r\n<li>National origin<\/li>\r\n<li>Ancestry<\/li>\r\n<\/ul>\r\n<p>In many states, this list is expanded to include:<\/p>\r\n<ul>\r\n<li>Marital status<\/li>\r\n<li>Age<\/li>\r\n<li>Occupation<\/li>\r\n<li>Language<\/li>\r\n<li>Sexual orientation<\/li>\r\n<li>Physical or mental impairment<\/li>\r\n<li>Geographic area in which you reside<\/li>\r\n<\/ul>\r\n<p>If you are refused liability coverage, you have a legal right to be&nbsp;informed by the company of the reasons for their refusal. If an insurance company refuses to compensate you for a reasonable claim, the company may be&nbsp;<a href=\"https:\/\/www.findlaw.com\/hirealawyer\/choosing-the-right-lawyer\/what-is-bad-faith-insurance-law.html\">acting in bad faith<\/a>. As an insured (covered) policyholder, this may give you grounds for legal action.<\/p>\r\n<h3>How Companies Set Insurance Costs (Rating Factors)<\/h3>\r\n<p>Your monthly insurance bill is known as the premium. Insurance companies determine the premium of a policy based on circumstances known as rating factors. These rating factors must be reasonably related to the risk being insured. The insurance rates and rating factors must be filed with the state insurance regulatory agency for each state where the insurance is to be sold. In certain states, the rates must get regulatory approval before they can be used.<\/p>\r\n<p>Examples of rating factors include:<\/p>\r\n<ul>\r\n<li>The type of your home, including construction materials and square footage<\/li>\r\n<li>Safety measures such as&nbsp;security cameras, anti-theft devices, and&nbsp;alarms<\/li>\r\n<li>The age of your roof, plumbing, and electrical conduits<\/li>\r\n<\/ul>\r\n<h3>Out-of-Pocket Costs for Coverage<\/h3>\r\n<p><a href=\"https:\/\/www.findlaw.com\/consumer\/insurance\/what-is-an-insurance-deductible.html\">A deductible is a payment for which you are responsible<\/a>&nbsp;before insurance will help. Even with the best coverage options, you may be responsible for paying a deductible. Often,&nbsp;a lower monthly premium might mean you have a higher deductible. In other words, if your insurance bill is&nbsp;lower than what you expect, the insurance company can still have the last laugh. You can get stung down the line through out-of-pocket costs that must be fronted before an insurance payout will kick in.<\/p>\r\n<p>For example, suppose a tree landed on your detached garage. The roof was damaged, and the insurance adjuster estimates that it will cost at least $50,000 to remediate the structure. Assuming that the detached garage is even covered by your policy, you might still not get the entire $50,000 you need to fix it. Your policy might have a $5,000 deductible,&nbsp;or perhaps something even higher than that. That means you&#8217;ll end up with a $45,000 check even though you suffered $50,000 in damages.&nbsp;&nbsp;<\/p>\r\n<p>It&#8217;s important to review your insurance policy to get a better understanding of your deductibles and out-of-pocket costs in advance of any disaster.<\/p>\r\n<h3>Can the Insurance Company Cancel My Policy?<\/h3>\r\n<p>State laws&nbsp;limit items an insurance company can include in the cancellation provisions of its policies. In general, once a policy is issued, it can be canceled only for:<\/p>\r\n<ul>\r\n<li>Your failure to make premium payments<\/li>\r\n<li>Misrepresentation or fraud by the policyholder (you, the insured)<\/li>\r\n<li>Violations of your policyholder&#8217;s agreement with the insurance company<\/li>\r\n<\/ul>\r\n<p>Most property and liability policies are issued for a stated policy term. The limitation on cancellation applies only during the policy term. Insurance companies can decide to discontinue or not renew these policies at the end of the term for any reason that is not prohibited by law. In most states, an insurance company is required to provide the policyholder with written notice if it intends not to renew a renter&#8217;s or homeowner&#8217;s policy.<\/p>\r\n<h3>Required Notice Before Policy Cancellation<\/h3>\r\n<p>A policyholder may cancel a homeowners insurance policy at any time by giving notice to the insurance company. Some clauses include financial penalties for early cancellation by the policyholder. Most personal property and liability policies require what is known as a&nbsp;<a href=\"https:\/\/dictionary.findlaw.com\/definition\/short-rate.html\" target=\"_blank\" rel=\"noopener\">short-rate penalty<\/a>. When a policyholder requests a cancellation, the insurance company retains a larger, disproportionate amount of the premium.<\/p>\r\n<p>A cancellation notice&nbsp;must be sent to the policyholder several days prior to the effective date of cancellation. For example, many state laws often&nbsp;require at least 10 days advance written notice, with a reinstatement period. Once the time period has expired, reinstatement after termination of coverage is discretionary by the insurance company.<\/p>\r\n<h2>Need More Help? Legal Assistance Is Available<\/h2>\r\n<p>Navigating the headaches of home insurance policies can be challenging. If you find yourself in a situation where you think you may need help, you may want to consider seeking out the services of an&nbsp;<a href=\"https:\/\/lawyers.findlaw.com\/real-estate-law\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">experienced real estate professional<\/a>&nbsp;who can offer you guidance as you move through the insurance process.&nbsp;An&nbsp;<a href=\"https:\/\/lawyers.findlaw.com\/insurance-law\/-law?fli=dcta\" target=\"_blank\" rel=\"noopener\">insurance attorney<\/a>&nbsp;might be able to help you with problems pertaining to your policy.<\/p>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-up\" clip-path=\"url(#clip0_604_3418)\">\n                        <path id=\"Vector\"\n                              d=\"M6 21H3C2.46957 21 1.96086 20.7893 1.58579 20.4142C1.21071 20.0391 1 19.5304 1 19V12C1 11.4696 1.21071 10.9609 1.58579 10.5858C1.96086 10.2107 2.46957 10 3 10H6M13 8V4C13 3.20435 12.6839 2.44129 12.1213 1.87868C11.5587 1.31607 10.7956 1 10 1L6 10V21H17.28C17.7623 21.0055 18.2304 20.8364 18.5979 20.524C18.9654 20.2116 19.2077 19.7769 19.28 19.3L20.66 10.3C20.7035 10.0134 20.6842 9.72068 20.6033 9.44225C20.5225 9.16382 20.3821 8.90629 20.1919 8.68751C20.0016 8.46873 19.7661 8.29393 19.5016 8.17522C19.2371 8.0565 18.9499 7.99672 18.66 8H13Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\"\n                              stroke-linejoin=\"round\"><\/path>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3418\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"><\/rect>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"No\"\n                value=\"no\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">No<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-down\" clip-path=\"url(#clip0_604_3423)\">\n                        <path id=\"Vector\"\n                              d=\"M16 0.999995H18.67C19.236 0.989986 19.7859 1.18813 20.2154 1.55681C20.645 1.9255 20.9242 2.43905 21 3V10C20.9242 10.5609 20.645 11.0745 20.2154 11.4432C19.7859 11.8119 19.236 12.01 18.67 12H16M9.00003 14V18C9.00003 18.7956 9.3161 19.5587 9.87871 20.1213C10.4413 20.6839 11.2044 21 12 21L16 12V0.999995H4.72003C4.2377 0.994543 3.76965 1.16359 3.40212 1.47599C3.0346 1.78839 2.79235 2.22309 2.72003 2.7L1.34003 11.7C1.29652 11.9866 1.31586 12.2793 1.39669 12.5577C1.47753 12.8362 1.61793 13.0937 1.80817 13.3125C1.99842 13.5313 2.23395 13.7061 2.49846 13.8248C2.76297 13.9435 3.05012 14.0033 3.34003 14H9.00003Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/g>\n                    <defs>\n         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               <input\n                                id=\"was-this-helpful__radio-button--understandable\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Easy to understand\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--understandable\"\n                        >Easy to understand<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--solved-problem\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Solved my problem\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--solved-problem\"\n                        >Solved my problem<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--negative\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Missing Information\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--dated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Out of date\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--dated\"\n                        >Out of date<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--negative-other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--positive at-feedback-submit fl-button secondary\"\n                    type=\"submit\"\n                >\n                    <span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        class=\"fa fa-angle-right medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--cancel fl-button primary disabled\"\n                    type=\"reset\"\n                >\n                    <span class=\"fl-button-content\">Cancel<\/span>\n                    <i\n                        class=\"fa fa-times-circle medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n            <\/div>\n        <\/form>\n    <\/div>\n    <div class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n\n\n    <\/div>\n    \n    <div class=\"fl-section-sidebar\">\n        <div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Many real estate processes can be handled on your own or with the help of a realtor\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Some tenant or neighbor disputes may need the help of local police\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Complex real estate issues (such as construction defects or illegal landlord actions) may need the support of an attorney\n\n                <\/li>\n                    <\/ul>\n                    <div class=\"fl-editors-summary-content-description\" data-testid=\"fl-editors-summary-content-description\">\n                <p>Buying or selling a home, facing foreclosure, or mortgage loan issues can benefit from legal expertise. An attorney can offer tailored advice and help prevent common mistakes.<\/p>\n\n            <\/div>\n                            <div class=\"fl-editors-summary-content-link fl-flex\" data-testid=\"fl-editors-summary-content-link\">\n                <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                <p class=\"find-attorney\"><a href=\"https:\/\/lawyers.findlaw.com\/real-estate-law\/#USER_GEO\/?fli=esum:FL43\" target=\"_blank\" rel=\"noopener\">Find a local attorney<\/a><\/p>\n\n            <\/div>\n            <\/div>\n<\/div>\n\n\n<div class=\"email-subscription fl-mb30\">\n    <div class=\"email-subscription-header\">\n        <div class=\"email-subscription-header-content\">\n            <h3 class=\"fl-callout-sm fl-no-margin\">Stay Up-to-Date With How the Law Affects Your Life<\/h3>\n        <\/div>\n        <div class=\"email-subscription-header-image fl-flex fl-items-end\">\n            <img decoding=\"async\"\n                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