Home Insurance


The single biggest investment you may make in life is your home.
Are you sure you’ve protected your investment?

Let us review your homeowner’s policy with you and make sure there
are no gaps in coverage. In addition to reviewing your insured value
and other coverage, we’ll take a look at the following important

  • dwelling & personal property
  • personal liability
  • medical payments to others
  • additional living expenses

Don’t let another day go by without a complete review of your policy.

Let’s make sure that you are covered properly!

Basic Coverages Included in Homeowner’s Policies

Property Damage Coverage

“Property Damage” coverage is designed to help pay for damage to
your home and personal property.

“Other Structures” coverage will help protect your detached garage,
tool shed, and other unattached structures. Generally, the coverage is
10% of the amount for which your home is insured.

“Personal Property” coverage helps pay for a loss of your personal
possessions, such as clothing, furniture, TV, stereo and other
unattached personal items. You may want to review this coverage with
us, to make sure you are adequately protected in this area.

If you need additional coverage for higher valued items, please ask us.

Personal Property Floater

<p?>A homeowner’s insurance policy normally provides limited coverage
for collectibles, jewelry, furs, etc. It may be necessary to insure
your valuables with a Personal Property Floater. A Personal Property
Floater itemizes each item, gives a description of the item insured,
and lists excluded perils. It normally provides coverage that is
broader than the coverage in your standard homeowners insurance
policy. Please ask us if you need an evaluation of your risk in this

Personal Liability Coverage

Your homeowners policy provides Personal Liability coverage to help
protect you against a non-auto claim in which you were at fault.
Liability coverage in your policy covers both the cost of defending
you and damages the court orders you must pay. Liability insurance
does not have a deductible that you must meet before the insurer
begins to pay losses. We can review your current limits of coverage,
and help make sure you have enough protection in this area.

Medical Payments Coverage

Medical Payments coverage is designed to pay for an injury to
someone OUTSIDE your family. It can often help settle “small” injuries
outside of court before they become BIG claims in court. This is not
medical coverage for your and your family.

Additional Living Expenses

Where will you live if your home is badly damaged?

If move into a hotel or apartment for awhile because of damage caused
by a covered loss, your homeowners policy will normally cover the
stay, subject to policy limits..

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