Homeowners insurance is one of the most valuable risk management tools you can purchase. Your policy not only protects your largest asset but also provides coverage’s in case of legal action against you.
Property Protection
Covers the loss of, or damage to, buildings and personal property. Coverage extends to structures such as detached garages and sheds, and can be adjusted to accommodate their value. Coverage for personal property that is off premise can be increased to suit individual needs.
Coverage is available from a basic “named peril” basis to broadened “all-risk”.
Liability
Covers actions of the insured and relatives residing together for which they may be held legally liable, both on and off the premises.
This coverage extends to both resident premises and personal action claim situations.
Claims for damage to the property of others and medical expenses for injuries to others on your premises also are included as part of this protection.
Additional Protection
Personal property Replacement cost Endorsement-provides protection for the full cost of repair or replacement, with our deduction for depreciation and regardless of inflation.
Home Computer Coverage- provides additional coverage for your hardware, software and media for both personal and business use.
Personal Floater-Adds or expands coverage’s and gives you extra protection for valuables such as jewelry, antiques, works of art, coin or stamp collections, cameras, and musical instruments, to name a few.
Identity theft-In the event of an identity theft against you or an insured family member, Identity Theft recovery Coverage provides financial assistance along with the expertise of case managers to assist in restoring your stolen identity.
Renters and Condominium Program
Renters and Condominiums owners need protect, too…. If a fire damaged or destroyed the apartment or house you rent or the condominium you own, would you be able to repair or replace your assets with our suffering financial hardship?
Or suppose a visitor was seriously injured and required hospitalization after slipping and falling on your wet kitchen floor. Could you afford the resulting medical bills that you may be responsible for?
Don’t let situations like these jeopardize your financial stability. The landlord’s policy does not cover your property, nor does it cover your liability.
You can get the coverage you need easily and inexpensively with insurance.
Our policy provides:
Coverage for the contents of your apartment or condominium, as well as personal liability and other coverage’s.
Contents are covered for the basic named perils such as fire, theft, freezing of pipes, windstorm, etc., and coverage can also be explained to an “all risk” form.
Should you have a claim, the claim department is fast, friendly, fair, and most of all available 24 hours a day, 7 days a week.
We can help you tailor your insurance to your specific needs. These are important optional coverage’s, available for increased protection where you may need it, at a minimal additional cost.
