The single biggest investment you may make in life is your home. Are you sure you've protected your investment?
Let us review your homeowner's policy with you and make sure there are no gaps in coverage. In addition to reviewing your insured value and other coverage, we'll take a look at the following important areas:
Don't let another day go by without a complete review of your policy. Let's make sure that you are covered properly!
If you need additional coverage for higher valued items, please ask us.
A homeowner's insurance policy normally provides limited coverage for collectibles, jewelry, furs, etc. It may be necessary to insure your valuables with a Personal Property Floater. A Personal Property Floater itemizes each item, gives a description of the item insured, and lists excluded perils. It normally provides coverage that is broader than the coverage in your standard homeowners insurance policy. Please ask us if you need an evaluation of your risk in this area.
Your homeowners policy provides Personal Liability coverage to help protect you against a non-auto claim in which you were at fault. Liability coverage in your policy covers both the cost of defending you and damages the court orders you must pay. Liability insurance does not have a deductible that you must meet before the insurer begins to pay losses. We can review your current limits of coverage, and help make sure you have enough protection in this area.
Medical Payments coverage is designed to pay for an injury to someone OUTSIDE your family. It can often help settle "small" injuries outside of court before they become BIG claims in court. This is not medical coverage for your and your family.
Where will you live if your home is badly damaged? If move into a hotel or apartment for awhile because of damage caused by a covered loss, your homeowners policy will normally cover the stay, subject to policy limits.