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.
A standard Homeowner policy protects you against:
- Smoke Damage
- Falling Objects
- Weight of Ice and Snow
- Theft of personal property
Damages that are EXCLUDED from your standard homeowner policy:
- Water Backup/Sump Overflow
Coverage may be purchased for the above exclusions. There is also a new valuable endorsement you can buy – Home Systems Protection and Service Line coverage. Please call us for more details.
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:
- Musical Instruments
- Golfers Equipment
- Fine Arts
Value Added Personal Property Service
IT support available with access to professional, highly trained IT support specialist at no additional charge.
* Some discounts only apply to certain parts on the policy. Discounts offered subject to qualification and company guidelines. The above discounts available for calendar year 2020.