Homeowners insurance provides financial protection against a variety of disasters. A standard policy insures the home itself and the things you keep in
Property Insurances We Provide
Homeowners Insurance is a Package Policy
It covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by your household pets.
Damage that is caused by most natural disasters is covered withexceptions. The most significant are damages caused by floods, earthquakes, and poor maintenance. You have to buy 2 separate policies for flood and earthquake coverage. Maintenance-related issues are the homeowners' responsibility.
What is in a standard homeowners insurance policy?
A standard homeowners insurance policy includes 4 essential types of coverage. They include:
Coverage for the structure of your home.
Coverage for your personal belongings.
Additional living expenses in the event you are temporarily unable to live in your home because of a fire or other insured disaster.
What is an Umbrella Liability Policy?
If you are sued, your standard homeowners or auto policy will provide you with some liability coverage. It will pay for judgments against you and your attorney’s fees, up to a limit set in the policy. However, in our society, you may want to have an extra layer of liability protection. An umbrella liability policy will provide that extra protection.
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