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Homeowners Insurance
Get a quote
The single biggest investment you may make in life is your home. Are you
sure you've protected your investment?
Let us review your homeowner's policy with you and make sure there are
no gaps in coverage. In addition to reviewing your insured value and
other coverage, we'll take a look at the following important areas:
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dwelling & personal
property
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personal liability
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medical payments to
others
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additional living
expenses
Don't let another day go by without a complete review of your policy.
Let's make sure that you are covered properly!
Basic Coverages Included in
Homeowner's Policies
Property Damage Coverage
"Property Damage" coverage is designed to help pay for damage to your
home and personal property.
"Other Structures" coverage will help protect your detached garage, tool
shed, and other unattached structures. Generally, the coverage is 10% of
the amount for which your home is insured.
"Personal Property" coverage helps pay for a loss of your personal
possessions, such as clothing, furniture, TV, stereo and other
unattached personal items. You may want to review this coverage with us,
to make sure you are adequately protected in this area.
If you need additional coverage for higher valued items, please ask us.
Personal Property Floater
A homeowner's insurance policy normally provides limited coverage for
collectibles, jewelry, furs, etc. It may be necessary to insure your
valuables with a Personal Property Floater. A Personal Property Floater
itemizes each item, gives a description of the item insured, and lists
excluded perils. It normally provides coverage that is broader than the
coverage in your standard homeowners insurance policy. Please ask us if
you need an evaluation of your risk in this area.
Personal Liability Coverage
Your homeowners policy provides Personal Liability coverage to help
protect you against a non-auto claim in which you were at fault.
Liability coverage in your policy covers both the cost of defending you
and damages the court orders you must pay. Liability insurance does not
have a deductible that you must meet before the insurer begins to pay
losses. We can review your current limits of coverage, and help make
sure you have enough protection in this area.
Medical Payments Coverage
Medical Payments coverage is designed to pay for an injury to someone
OUTSIDE your family. It can often help settle "small" injuries outside
of court before they become BIG claims in court. This is not medical
coverage for your and your family.
Additional Living Expenses
Where will you live if your home is badly damaged?
If move into a hotel or apartment for awhile because of damage caused by
a covered loss, your homeowners policy will normally cover the stay,
subject to policy limits..
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