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HOMEOWNER INSURANCE
We offer broad, flexible protection for your home through insurance companies that have a reputation for competitive products and excellent service.
Homeowners policies provide coverage based on the replacement cost of your home, what it would cost to build it today, which may be considerably different than the current market value of your home. If you go to request a quote you will note that we ask a lot of questions about you and your home. This is so we can recommend the proper amount of coverage, using the latest technology in determining replacement value, while at the same time making | |
sure you get all the premium credits that you deserve.
Personal belongings are also covered on a replacement value basis, if they are replaced after a loss. All policies do have limitations on coverage for money, securities, watercraft, trailers, jewelry and furs, cemetery markers, silverware, guns and business personal property. Antiques and collectables need to be scheduled separately in order to be properly covered.
Earthquake and flood damage are not covered perils and must be purchased separately. In our area coverage for earthquake is very reasonable.
New homes under construction should include the added perils of theft of building materials and collapse.
It is also important that you carry adequate liability limits to protect you in the event some gets hurt on your property or you or a family member accidentally hurt someone while fishing, hunting, or playing golf, etc. We recommend at least $500,000. |
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