Homeowners Insurance
A home represents more than just a valuable asset. It is our emotional center and a place where we house our most valued treasures. We have been protecting people with one of the most outstanding lines of homeowner insurance offered in America today.
The major coverages in your Homeowners Policy include:
Coverage A ? Dwelling
This coverage protects the structure of your home for such perils as wind or fire. Quality coverage will not be limited to only a list of "named perils" but will be "open" perils with certain exclusions for losses better insured separately. Your agent can provide you with complete information.
Coverage B ? Other Structures
If you have detached structures such as a garage or tool shed, this coverage protects them.
Coverage C ? Personal Property
This coverage protects your belongings. Furniture, appliances, clothing, and similar property are covered up to a percentage of your Coverage A limit. This percentage is typically 70% of Coverage A, but is selectable by you. Because some belongings are of special value and better insured specifically, your Homeowners Policy limits the amount you can collect for such items as jewelry, furs, and fine art. To ensure you have the proper protection for these items, you will need to obtain specific insurance for these items, which is called scheduling . See us to schedule your most valuable items.
Coverage D ? Loss of Use
Loss of Use pays for the extra cost of living if your home is not habitable due to an event covered by your policy.
Coverage E ? Personal Liability
Personal Liability protects you from claims against you for injury to others or their property.
Optional Coverages
Important optional coverages include:
- Extended Dwelling Coverage providing coverage above Coverage A limits if needed
- Increased Building Ordinance coverage to pay the extra costs of upgrades to meet building codes
- Replacement Cost Contents to replace your belongings rather than payment at depreciated value
- Scheduled Personal Property for specific coverage on valuable items such as jewelry
