Primary Residence Home Insurance
This policy offers a package of coverage against losses or damage to your house and its contents caused by fire, windstorm, vandalism, theft, or personal liability. Most companies offer endorsements, at additional cost, protecting against other perils such as backup of sewers & drains and identity theft expense. .
This type of policy insures for the contents and property not covered by the condominium association’s policy.
Unattached garage, shed, swimming pool, etc. Usually this coverage is limited to 10% of the amount of insurance on the house unless you specifically request and obtain an increase as part of your homeowners policy.
The contents coverage usually is provided on an actual case value basis. However, most companies offer a replacement cost option for an additional cost. The amount of contents coverage can also be increased if you need additional protection. There are important limitations for theft on money, silver, silverware, jewelry, furs, and firearms.
This coverage protects you against a claim or lawsuit resulting from (non-auto and non-business) bodily injury or property damage to others caused by your negligence. This coverage applies to you and all family members who live with you. Let us help you determine if your personal liability coverage you have is sufficient.
This policy includes coverage for the medical expenses of others who suffer accidental injury at the insured location. Unlike Personal Liability, this expense is paid regardless of your legal liability.
Additional Living Expenses
This policy includes an additional amount of insurance to cover the necessary increased costs in living expense to permit you to continue your normal standard of living during the time your house cannot be occupied due to a covered loss.