Home Insurance

Homeowners Insurance

Your home is the center of your daily life and likely your most valuable asset. It’s where you raise your family and create memories. It’s important to have the right coverage to protect this prized possession with homeowners insurance if you suffer a loss due to fire, theft, vandalism or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowner insurance policies differ by which losses are covered and which coverages you choose. You can choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property or whether it’s a policy that covers only specified losses.

Comprehensive coverage with Home Insurance can provide:

Dwelling

Damage to your home’s physical structure, insuring the cost to rebuild in the event of a loss. Coverage typically pays to repair or rebuild your home it it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.

Other Structures

Damage to other structures that are detached like a detached, garage, shed or built in BBQ.

Personal Property

Your home is filled with furniture, clothes, electronics and other personal items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.

Loss of Use or Additional Living Expenses

Loss of use or additional living expenses is necessary in the event of a covered loss. If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses while damage is assessed and your home is repaired or rebuilt.

Personal Liability

The personal liability coverage within your homeowner’s policy provides coverage for bodily injury and property damage sustained by others for which you or your family members are legally responsible. In in the event someone is injured or their property is damaged by you or a family member. For example, someone falls down your stairs, or your child accidentally throws a ball through a neighbor’s window, breaking an expensive vase – you may be held responsible for the damages caused.

Under personal liability coverage, the insurance company defends you if you are sued, and pays damages to the injured person up to the limit of liability. Your personal liability coverage should be high enough to protect your assets if you are sued. A separate umbrella policy can extend your coverage up to 1M or more.

Liability Exclusions

A homeowner’s policy does not cover all situations for which you or a family member may be legally responsible for causing bodily injury or property damage.

Medical Payments to Others

Medical payment coverage covers medical expenses for guests if they are injured on your property. It does not coverage medical expenses of you or members of your household.

Scheduled Personal Property (Rider)

Extra coverage for valuable items. If you have special possessions such as jewelry, art, antiques, firearms or collectibles you may want to consider insuring these item with additional coverage. It provides broader coverage for specific items.

Protect the Things that Matter to You

Make an Inventory. If possible make a list, take photos or video. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.

 
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