Home Insurance

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home_insurance

 

Home insurance is designed to help you recover from both property and liability losses. Property coverage includes claims such as fire, windstorm, theft and vandalism. Liability coverage will defend you against lawsuits arising from injuries sustained by someone on your property, or by your actions away from your property. This can include claims such as slip and fall accidents and dog bites.

 

HOME INSURANCE STANDARD COVERAGE PARTS:
Dwelling
Covers the main home, also referred to as the primary structure.

 

Other Structures
Covers garages, pools, sheds and gazebos.

 

Personal Property
Covers your contents and personal belongings.

 

Loss of Use
Covers the cost of alternate housing after a claim.

 

Personal Liability
Provides defense for lawsuits arising from injuries sustained by someone on your property, or by your actions.

 

Medical Payments to Others
Covers expenses for injuries sustained by someone on your property. Home insurance is designed to help you recover from both property and liability losses. Property coverage includes claims such as fire, windstorm, theft and vandalism. Liability coverage will defend you against lawsuits arising from injuries sustained by someone on your property, or by your actions away from your property. This can include claims such as slip and fall accidents and dog bites.

 

HOME INSURANCE OPTIONS:
Scheduled Personal Property Endorsement
Provides additional coverage, with or without a deductible for special items such as jewelry, money, furs, antiques, guns, fine arts, cameras and sports equipment. Most home policies limit coverage for these and other items, especially those that tend to appreciate in value or are not easily replaced. Endorsing the policy allows these items to be properly covered.

 

Water Back Up/Sump Pump Failure
Most policies limit or exclude losses caused by water or sewage backing up through the main drain, or as the result of a sump pump failure. An endorsement can be purchased to cover your home and contents for this type of claim. Coverage amounts vary and certain restrictions apply.

 

Identity Theft
Provides reimbursement of expenses incurred as a result of identity theft and helps to restore your credit rating.

 

Increased or Guaranteed Dwelling Replacement
Home policies will pay to repair or rebuild your home up to the dwelling coverage stated on your policy. Additional coverage can be purchased to protect against an increased cost of building materials or unforeseen additional construction expenses.

 

Business Property in the Home
Many policies limit coverage for claims on personal property used for business. For example, laptop computers are frequently used for both personal and business purposes; however, business use of a computer in the home will limit payment of a claim. Taking the computer out of the home could restrict or void coverage, so increasing business property limits can ensure proper coverage.

 

Ordinance or Law
Pays for the increased costs incurred in order to comply with the enforcement of local ordinances or laws, which regulate construction, repair or demolition of the property. It covers the cost to bring the undamaged portion of the home up to current code.

 

Liability and/or physical damage for owned boats, golf carts and other recreational vehicles
Liability for other owned properties such as seasonal homes or rental homes

 

FLOOD COVERAGE:
Home policies do not include losses by flood; a separate policy is required. Flood insurance premiums are regulated by the federal government, and are based on the amount of coverage purchased and the location of your home.
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