Now That We Own It, How To Insure It?

INSURANCE---HOMEOWNERS---AUTOMOBILE---UMBRELLA---FARMOWNERS

BOAT---PERSONAL OR BUSINESS

As an independent insurance agency for almost 50 years, we know how important our clients are. We work on our clients behalf by representing several quality insurance companies. Since we are not employees of the insurance company, we can shop around to give our clients the right protection, with the right company, at the right cost.

Your home represents a major investment with considerable time, effort and money spent in the careful process of choosing and purchasing this important asset. When you put so much into an investment, it makes sense to take precautions to adequately protect it. Your homeowners insurance policy is a contract that protects you against specific types of losses. It explains both your rights and responsibilities and those of your insurance company. It describes the different coverages you may purchase to increase protection, the amount of insurance you have purchased (called limits) and the conditions and exclusions that apply to coverages (under what circumstances there is or is not coverage) 

Compare different homeowners insurance policies and prices carefully. The best price may not always mean the best coverage. When you’re trying to protect a major investment, don’t give up important coverage for a matter of a few dollars.

The basic homeowners coverages are listed below:

Dwelling:            Your home and any structures attached.

Other Structures: Structures on your property set apart from the dwelling by a clear space.

Personal Property: Personal Property (contents) owned or used by you anywhere in the world.

Loss of Use: After a covered loss and you can’t live in your home, this covers the additional living expenses incurred until the dwelling is repaired.

Personal Liability: You are protected against a claim or lawsuit by another person for damages due to bodily injury or property damage.

Medical Payments: To pay for the necessary medical expenses resulting from accidental injury to others.

Replacement Cost Protection: Optional coverage to provide guaranteed replacement of the dwelling.