HOME INSURANCE

Dwelling:

This coverage provides funds to repair or replace your home up to the limit of the policy if it is not a guaranteed replacement policy. Not all home insurance policies are the same. Some offer replacement cost, while others offer replacement cost up to a certain limit. It is important to understand what it will take to replace your home. Failure to understand this important item may be the difference between having enough coverage to pay for rebuilding your home or not. There are always limitations, conditions and exclusions on this coverage. It is important to understand them all.

Personal Property:

This is a coverage that provides monies to repair or replace your contents up to the limit of the policy. There are always limitations, conditions and exclusions on this coverage. It is important to understand them all.

Other Structures:

This coverage is usually a percentage of the dwelling coverage, and can only be used for other structures for damages that fall within the scope of the policy. Most policies place other structure coverage limits at 10% of the dwelling amount.

Liability Coverage:

This is a very important coverage. It provides coverage in case someone is hurt on your property. For example, if your dog bites someone, this coverage will pay for the medical expenses and all the damages associated with that claim. Failure to have enough coverage may create a financial loss for you. There are also additional options that would allow this coverage to be used. There are always limitations, conditions and exclusions on this coverage. It is important to understand them all.

Scheduled items:

It is important to understand what items are covered under the base policy and which items may need to be specifically listed on the policy. There are limitations on certain types of personal property, such as jewelry, guns, and certain collectibles, just to mention a few.

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