Home Insurance

 

Home Insurance

Fire Insurance
Your policy may not be what it was when your policy began. Rebuilding a home today is far more costly than it was 5 years ago. You may have gaps in your current policy. Review the list below. Check with your agent on all that may apply to you!

  • An addition has been put on the home
  • You operate a business from your home
  • You have a daycare in your home
  • Your basement or attic is finished

Household Inventory
Do you have an INVENTORY of your personal property?

When homeowners are victimized by a fire or theft, they are asked to make a list of all their household assets. Most fail to remember everything that has been destroyed or stolen.

 Are You Covered?
We can protect your home & auto and give you a special discount for insuring them both with the same company!

Contact us for details.

Our office can provide you a free inventory form to help you create a list of your assets.

Some suggestions:

  • take a video of each room or still photos from several angles
  • update your photos and video annually
  • add new purchases and recalculate values
  • keep your list away from home

 

Leisure Products Endorsement - an optional endorsement which provides extra insurance protection for your golfing, hunting, and fishing equipment.



CLAIMS SERVICE

When you need us most, our claims department is here to serve you.

 Personal Liability
If a claim is made or a suit is brought against an insured for damages because of bodily injury or property damage caused by an occurrence to which coverage applies, your policy will:


1) pay up to the limit of liability for damage the
    insured is legally liable
2) provide defense costs to protect the limit of
    liability

Some common exclusions:

  • criminal acts
  • business activities
  • association memberships

Additional liability can be added to your home for boats, snowmobiles, recreational vehicles, and golf carts. This coverage must be requested and is not automatic.

Home-based Business
More and more people are starting home based businesses. There are many advantages to running a business from the convenience of your home. Generally speaking, your homeowners policy offers very little (if any) coverage for losses incurred as a result of business activities on your home premises. Coverage for electronic equipment (computers, fax machines, phones, etc.) inventory, and tools used in the business is extremely limited or non-existent.

We have companies that will endorse your home-based business.