Homeowners Insurance

Dwelling – Coverage provides the finances to repair or replace your home up to the limit of the policy.  Please note that all homeowner policies are not the same.  Some offer replacement cost and others offer replacement cost up to a specific limit.  Please be sure to ask us how your policy handles these situations.  It is important to understand your policy.

Personal Property – Coverage provides the finances to repair or replace your contents up to the limit on the policy.  Many policies have different limits on specific personal property.  It is important to understand the limitations and/or exclusions each policy contains on personal property.

Other Structures – Coverage is usually a percentage of the dwelling limit that provides finances for repairs to other structures on the premises (i.e. detached garage, shed, pool house).  Most policies include a limit of 10% of the dwelling limit.

Liability – Provides coverage in case someone is hurt on your property.  An example would be in your dog bit someone.  The coverage would pay for the medical expenses as well as the other damages related with the claim.  There are other instances where the liability could be used as well.  It is an important coverage on the policy to protect your assets.

Scheduled Property – Under the base policy not all of your contents may be covered.  Some of these items may need to be scheduled on the policy.  The items may include, but are not limited to expensive jewelry, collectibles and sporting equipment.  It is important to know the limits on the personal property to determine if items need to be scheduled.