Homeowners insurance policies provide broad coverage for losses to your home, your personal belongings and detached structures on your property. They also provide protection in the event of an injury to people on your property.
While homeowners insurance is comprehensive coverage, there are some things it does not cover. That is why we take the time to get to know you, understand your needs and then craft a comprehensive risk management program for you. The foundation for most people is a comprehensive homeowners policy.
Homeowners Insurance Highlights
Your home should be insured for an amount based on the replacement cost value of your property. Replacement cost is what it would cost to rebuild your house today in the event of a loss, based on current building codes. There is usually a deductible, which is an amount you would be responsible for paying before the policy starts to pay out.
Personal Property Insurance
These policies automatically provide a separate amount to cover personal belongings. However, there is a deductible. We suggest our clients create a home inventory. In the event of a claim it will make it easier to document your loss and make the claims process easier.
Personal Liability Insurance
If you are legally responsible for an injury to a guest or for damage you cause to another person’s property, the personal liability section of your policy can provide important protection.