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Homeowners |
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Life Insurance |
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Homeowners Coverage Options
TAKING CARE OF YOUR HOME (and other things)
It may be just a collection of wood, glass, concrete, siding and shingles...and it may cause you headaches from time to time...but, no matter what its shape, size or current condition, your house is still the place you call home. That’s why it’s so important to take care of "the old homestead" and your "household" investments.
Standard Coverage’s
| Property Coverage |
| | On your home for direct physical damage. |
| Liability Coverage |
| | You and your household members are covered for bodily injury and property damage claims which you’re found responsible for. Includes defense coverage. |
| Medical payments to others |
| | Medical coverage that pays non-household members unintentionally injured on your property, or by you or a family member. |
| Additional living expenses |
| | Covers the extra expense incurred when a covered loss makes it temporarily impossible to live in your home. |
| Personal belongings |
| | Covers furniture, appliances, clothing and other personal belongings |
Optional Coverage’s
| Valuable property |
| | jewelry, silverware, furs, works of fine art. |
| Replacement cost coverage |
| | On your household contents, this alternative to Actual Cash Value reimbursement pays you at today’s cost to replace or repair lost or damaged property-subject to your policy limits and your chosen deductible (and provided actual repairs are made). With this special coverage, no deduction whatsoever is made for all those years of wear and tear. |
| Water & Sewer backup |
| | covers property and clean up damage to your home caused by ground water and sewer back up. |
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