Inside Homeowners Insurance

Whether you own a house, a condominium, or a townhouse, we can provide Homeowners insurance to protect you and your family. A typical home policy includes:

• Dwelling Coverage: Pays to repair or rebuild the structure of your home for perils covered under the policy. We recommend the structure be insured on a replacement cost basis to ensure your home is rebuilt to the same standards used in the original construction. The quality of materials will be the same, and your house will look as close as possible to what it was before the loss.
• Other Structures: Pays for structures that are detached from the home such as a garage, shed, or gazebo. The typical policy includes 10% of the dwelling amount, which can be increased if needed.
• Your Personal Contents: This includes coverage for furniture, clothes, kitchen appliances, etc. We also recommend that you have replacement cost coverage on the personal contents in your home. Make an inventory of your contents (written, pictures, or video) to help determine if you have enough coverage. It’s also invaluable after a loss to help identify the missing or destroyed property.
• Additional Living Expense: This coverage provides additional living expenses when you cannot live in your home due to a covered loss.
• Personal Liability: Protects you in the event of a lawsuit brought against you or covered family members if someone, for example, is injured on your property. The coverage is worldwide and includes defense and actual judgments – up to the policy’s limit.

We will also discuss purchasing a Personal Umbrella Liability policy with you to extend the liability amounts in your Homeowners insurance so that you are well protected in the event of a catastrophic accident on your property.

Our staff can also assist you if you rent or lease a home, condominium, townhouse, or apartment.