Your home is a valued possession. Whether you live in a house, condominium or apartment, your home is a vital asset to you and your family and you want to properly protect it.
Homeowners insurance includes two areas of protection—property and liability. The property protection includes your home, other structures on the premises, and your personal property. The liability insurance protects you for accidental bodily injury to others that is attributed to the actions of you or your family members. *Ask us about limitations of this coverage.
While the basic Homeowners Policy offers broad protection, companies place necessary limits on that protection to make the policy affordable. If your protection needs exceed the limits of the policy, you can tailor the policy with protection options. These include:
Insurance carriers will reward you for efforts to reduce the likelihood of a loss by offering discounts. Since these vary considerably from one company to the next, ask us what discounts you are eligible for and if there are other ways to reduce your premium. This is a sampling of the discounts: