Homeowners Insurance
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 Coverages:
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 Coverages:
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.
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