|
Homeowners/Home Insurance
Personal Liability Umbrella Protection
Flood Insurance
High Value Property
HOMEOWNERS / HOME INSURANCE
Your house is more than four walls and a roof. It's a symbol of your security and prosperity. And, its probably your biggest investment. Also, inside those walls are possessions and valuables that make your house a home--and those items need protection as well. A standard homeowners policy safeguards your home and possessions against:
• Sudden and accidental damage from electrical current
• Fire and lightning
• Windstorms and hail
• Explosions
• Smoke damage
• Freezing
• Theft
• Glass breakage
• Falling objects
• Weight of ice, snow or sleet
• Accidental discharge of water or steam
• Vehicles
• Vandalism and malicious mischief
Also, homeowners insurance doesn't apply only to those who own a single-family house. If you own a condominium, have combination dwellings, rent an apartment or if you have a second home, you can also buy insurance specifically designed for your circumstances.
Combination Dwellings
One policy provides both property and liability coverage for dwellings not eligible for a homeowners policy. All coverage options track with the homeowners policy, making it easier to use individually or in combination with homeowners coverage.
Condominiums/Rental Properties
If you rent an apartment or own a condominium, you need insurance to protect your belongings. While your landlord or condo association might have insurance, it only protects the building. Your belongings are not covered under those policies. There are several types of residential insurance policies. The HO-4 policy is designed for renters, while the HO-6 policy is for condo owners. They both cover losses to your personal property.
Second (vacation) Homes
Vacation homes require a special type of insurance--one that protects your vacation home but doesn't overlap with your already existing homeowners insurance coverage. Most homeowners insurance policies provide limited coverage for personal property at an additional residence. However, if your coverage needs for your vacation home exceed this amount, you're going to want to fill this gap by purchasing a policy that will cover your vacation home in its entirety. One way to do this is to purchase a dwelling fire policy, which is specially designed for a second home in that it provides coverage for the dwelling itself, along with your personal property.
In addition to protecting your home and its contents, we also offer several discount programs that make our coverage even more affordable (I don’t understand this statement).
Additional Homeowner Coverages
Scheduled Items
Items such as jewelry, furs, silver, collectibles and other valuables need to be insured separately (scheduled) to make sure that in the case of a loss you can recover their stated value. Your items are assessed when you begin the policy and the value obtained written into the policy.
Ask Us About Homeowners Discounts
Security or fire alarm discounts
Sprinkler system discounts
Home/auto discounts
PERSONAL LIABILITY UMBRELLA PROTECTION
A personal umbrella policy, protects against a loss due to catastrophic lawsuits. It offers additional protection above and beyond your standard homeowners and auto policy limits and helps eliminate any gaps in your liability coverage. A personal umbrella policy protects you, your spouse and all other relatives living in your household for up to $1 million. With Personal Umbrella, you are safeguarding your possessions, your savings, and your future earnings.
Personal Umbrella includes:
- Protection over and above your basic liability policies for homeowners, automobile, boat owners, renters, or motor homes.
- Personal injury coverage - you will be protected if suits are brought against you for libel, slander, humiliation, false arrest, false imprisonment, defamation of character, wrongful eviction, wrongful detention, malicious prosecution or invasion of privacy.
- Any additional defense costs not covered under your other liability policies.
top
|
