Home insurance is a complicated product and not something that should be purchased without advice from an experienced insurance professional. A homeowner insurance policy provides more than just coverage for the financial risk of damage to your home. A homeowner’s policy also provides coverage for the value of your personal possessions, additional living expenses if you are forced to move out of your home, and provides coverage for personal liability exposures that may arise from day to day living.
Insurers offer a wide variety of coverage options and coverage limitations. Our brokers are trained to help you navigate these variables to ensure you receive appropriate coverage at a competitive price. Whether your “home” is a Detached House, Townhouse, High Value Property, Vacation Home, or Rental Property we have the knowledge and resources to find the best protection for you and your family.
The biggest investment most people will ever make is in their home. That’s why it makes sense to protect the sizable financial investment you’ve made in your own home with a comprehensive homeowners plan.
The homeowner’s policy is a combination of property and liability coverage and is tailored to meet the needs of a homeowner. The following is a basic outline of the comprehensive homeowner’s policy and the endorsements most widely used on the comprehensive policy.
The comprehensive home policy provides coverage for dwellings that are owner occupied. The comprehensive policy provides coverage against risks of direct physical loss to the dwelling, detached structures, and personal property, except for those causes of loss that are specifically excluded such as flood.
The policy includes extra coverage for debris removal, fire department charges, property removal charges, and coverage for trees, shrubs and plants. Coverage is also included for loss involving credit cards, forgery, and counterfeit money. Each coverage has limitations and is subject to certain conditions.