Homeowners

                                      *Homeowners Policies Cover

• Your Residence
• Detached Structures (Garages, workshops, fences, garden sheds, etc.)
• Your belongings (even when you're away from home)
• Living expenses
• Personal Liability
• Medical Expenses

         * Except for dwelling and structures a renters policy has very simillar coverages and is very affordable.

To insure your home appropriately, you want to make sure that you have enough coverage to rebuild your home in case it gets completely destroyed.  That means the limit on your policy should be equal to the cost to replace your home.  Your insurance agent will be able to help you calculate the replacement value.

There are certain exceptions to the coverage on your homeowner's policy.  These exceptions generally include loss due to flooding, earthquake, sinkhole and certain other perils.  If you live in certain areas,  you might wish to consider buying additional protection for these perils.

 
There are other limitations in the homeowner's insurance policy:  Although there is coverage for the contents in your home, this coverage is limited for certain valuables, including jewelry, art, and computer equipment.  As a rule of thumb, if you have a collection or an individual item worth at least $500, you should consider additional coverage options by buying a personal property endorsement or "floater".  A "floater" is attached to your homeowner's policy and provides the additional coverage you need. The higher the value of the items you'd like to insure, the more the added-on coverage will cost. 

As many of your neighbors already know, we take extra care to insure your home properly.