It's where you live and where your possessions are. Chances are, it's your greatest asset. But more than possessions and assets, it's your home…and you need to protect it.
Property Insurance helps provide peace of mind when:
Bad things happen. Simply put, insurance provides a safety net for you and your family when certain unfortunate events happen like theft, fire, burglary and vandalism…You need liability and guest medical protection too. For example, if your neighbor slips and falls in your kitchen, you might need these coverages to help pay for medical expenses.
You need to replace, repair or rebuild. If your home were destroyed by fire today, you'd need the financial resources to replace or repair it.
Your lender requires it. When you buy your house, you'll probably need to provide your policy "in hand" at your closing. If you're building a new home, you may need to have special coverage while your new home is being built.
You have special items. Protect more than your home; protect special items such as jewelry, silverware, business property, cameras, cellular phones and more with extended coverage options.
Protect your assets, possessions, home and your family with insurance.. Understand what coverages are right for you and what discounts and savings may be available.
What are my coverage options? |
Whether you rent or own your home, you've got a wide range of property insurance products and coverages* to choose. .
First, understand which coverage elements are common among most property insurance policies:
- Dwelling Protection
- Protection for Other Structures
- Personal Property
To protect movable personal property, mostly within your home. Certain coverage limits apply.
- Family Liability Protection
To pay for covered damages which you're legally obligated to pay.
- Guest Medical Protection
To pay medical expenses for your guests who are accidentally injured on your property as a result of a covered loss.
- Additional Living Expenses
To pay the reasonable increase in living expenses if your home becomes uninhabitable after a covered loss.
Second, consider which policy is right for your living situation:
- House
- Condominium
- Mobilehome
- Renter
Third, personalize your policy with additional coverages such as:
- Replacement Cost Coverage for many of your contents (subject to applicable underlying policy coverage limits).
- Scheduled Personal Property Coverage with increased protection for your personal property including, but not limited to: jewelry, watches, furs, stamp and coin collections, fine arts, cameras, personal computers and sports equipment….
- Increased building code coverage. For example, if your home is damaged or destroyed you'd need protection to bring it up to today's code standards as it is repaired.
- Portable cellular communication systems coverage.
- Satellite Dish Antennas coverage.
- And many more! See your agent for more information on the Optional Coverages available in your state.
Finally, since most Homeowners, Condominium, Mobilehome,** or Renters Insurance Policies don't cover a flood, find out if you're eligible for a Flood Insurance Policy |
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