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 Home and Renters Insurance |
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| HOME OWNERS INSURANCE
There are basically two ways to protect your home through the purchase of insurance.
HOW TO GET THE LOWEST RATES
Insurers frequently award lower rates to homeowners who guard against theft, accidents and other losses. Companies may provide discounts to premium for multiple policies(auto and home). Here are some things you can do that generally qualify for lower premiums:
Secure your home with dead bolts and window locks
Install a security system with outside signal and connection to local police
Install and maintain smoke detectors
Install a sprinkler system for fire
Instal a fire alarm that automatically alerts the local fire department
Stop smoking
Review your policy annually to make sure that you have adequate coverages. We would be happy to go over your policy with you and recommend any changes should they need to be made.
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| POLICY TYPES
THE SPECIAL F0RM HOME OWNERS PACKAGE POLICY
This policy covers the dwelling, separate structures and loss of use on an accidental direct physical loss basis and the personal property on a named peril basis. The named perils include perils as fire, extended coverage, broad form and theft. In addition, this policy protects you and your family members against damages for which you are legally responsible, arising from bodily injury or property damage.
THE PROTECTOR PLUS AND TOWNHOUSE PROTECTOR PLUS
This policy protects against identical perils as the Special Form and adds many additional coverages. We would be happy to discuss any of this with you.
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| THE BROAD FORM RENTERS PACKAGE POLICY
This policy covers the renter's personal property and building additions and alterations and loss of use on a named peril basis. In addition, this policy protects you and your family members against damages for which you are legally responsible arising from bodily injury or property damage.
LIST OF SOME NAMED PERILS
Fire or lightning damage
Windstorm or hail damage
Vehicle damage
Smoke damage
Vandalism or malicious mischief
Loss from theft
Glass breakage
Falling objects
Damage caused by collapse due to weight of ice, snow or sleet
Freezing damage from plumbing and airconditioning
Accidental discharge of electrical current
SOME PERILS COMMONLY EXCLUDED AND NOT COVERED:
Damage caused by flood
Damage caused by earthquake
Damage caused by earth movement
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