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Click on the link below
and you'll receive a
no-obligation insurance quote.
Homeowners
Quote
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 More than just a place to live, your home is one of your biggest
investments. Properly protecting your most cherished investment is
important. Often times in the fast paced processing of buying your
home proper insurance protection is often overlooked. Our staff is
always available to review coverage options to see that you are
properly covered and our receiving all the available credits.
UNDERSTANDING THE BASICS
If you have a mortgage on your home your lender will require
evidence of homeowners insurance in an amount at least equal to your
loan value. The home and other structures on your property are
covered for direct physical loss resulting from fire, lightning,
wind, hail, smoke, vandalism, explosion and many other perils. In
addition to the property aspect of the homeowner’s coverage your
policy will also provide liability coverage. This protection pays
for damage or injury you accidentally cause to others and for which
you are legally responsible for.
COVERAGE OPTIONS
Standard Coverage’s
Property Coverage—On your home for direct physical damage.
Liability Coverage—You and your household members are covered for
bodily injury and property damage claims which you’re found
responsible for. Includes defense coverage.
Medical payments to others—Medical coverage that pays non-household
members unintentionally injured on your property, or by you or a
family member.
Additional living expenses-Covers the extra expense incurred when a
covered loss makes it temporarily impossible to live in your home.
Personal belongings—covers furniture, appliances, clothing and other
personal belongings
Optional Coverage’s
Valuable property—jewelry, silverware, furs, works of fine art.
Replacement cost coverage—On your household contents, this
alternative to Actual Cash Value reimbursement pays you at today’s
cost to replace or repair lost or damaged property-subject to your
policy limits and your chosen deductible (and provided actual
repairs are made). With this special coverage, no deduction
whatsoever is made for all those years of wear and tear.
Water & Sewer backup—covers property and clean up damage to your
home caused by ground water and sewer back up.
SAFETY & TIPS
Click here to go to
Frequently Asked Homeowner Questions and other helpful stuff. |
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