For most of us, our
home is the largest asset we have, so it makes good sense to
make sure it is properly protected. In most cases, we will be
able to insure your home for 100% of the replacement value,
which means that in the event of a catastrophe, your home will
be repaired, even if the damage exceeds your policy limit.
Please click HERE to visit some useful
websites for your home.
A standard Homeowner policy protects you against:
Weight of Ice and Snow
Theft of personal property
Damages that are EXCLUDED from your standard
Water Backup/Sump Overflow
Coverage may be purchased for the above exclusions. Please
call us for more details.
Discount for having
smoke detectors in your home.
Discounts for Burglar and Fire
Alarms, Dead Bolt, and Automatic Sprinklers
If you are age 55 and
older and one of the named insured's is retired, you are entitled to a 5% discount.
If you insure your auto and
home through Commerce Insurance, you can recieve 20% on your
New Home Discount
A discount of 1-20% is available based on the age of the home.
Green Discount A 3% discount if you sign up to have your bills and policy delivered via email.
Your homeowners policy does provide very BROAD contents
coverage in the event of a loss, BUT it does have LIMITATIONS
on certain items. You can schedule a valuable item onto your
homeowners policy for a minimal premium. By doing this, you
are ensuring the item is covered for all perils.
Common items that can be added as scheduled property:
for information on preparing a Home Inventory.
Value Added Personal Property Service
24/7 IT support available with access to professional, highly trained IT support specialist at no additional charge.
* Discounts offered subject to qualification and company
guidelines. The above discounts available for calendar year
GV&Y Insurance Agency, Inc. All rights reserved.
Last Updated 2012
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