Your home is the most valuable asset that you have in your possession. It is very important to chose the right coverage at an affordable cost.
Ask us about extra discounts for Home and Auto Insurance as a Package.
A Homeowners Policy provides the following protections:
The dollar amount carried to cover your home and any structures attached directly to it.
Ideally, the amount of coverage you carry should equal the cost of rebuilding your home after total loss.
Covers other structures set apart from the dwelling on the residence premises, such as a detached garage. This coverage applies up to the limits provided in your policy and can be increased if necessary.
Personal Property Coverage:
This coverage provides worldwide coverage for personal property owned or used by the insured.
Loss of use:
This coverage is available when you cannot live in your home due to a covered loss. It pays living expenses which go over the above your normal living expenses up to the limit provided in your policy.
Liability coverage protects you in two ways. First, it provides fro you legal defense against a liability claim, whether the claim is legitimate or not. Second, it will pay any court judgements against you up to the policy limit.
This pays emergency medical bills for anyone injured on your property or any injury caused by a member of your family or a pet, regardless of where it happens.