HOMEOWNERS INSURANCE

Right Coverage for the Right Property, Are YOU protected?

Homeowners policies as we know them today were introduced in the 1950's. There are several different types of home insurance policies available designed to meet the different needs of insureds and their properties. The following are common types of policies available to meet the needs of most insureds;

• Dwelling/Fire Policy
• Comprehensive Homeowners Policy
• Renters Policy
• Condo/Unit Owners Policy

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Construction of a Homeowners Policy

• Coverage A - Dwelling¹
• Coverage B - Other Structures¹
• Coverage C - Personal Property
• Coverage D - Loss of Use
• Coverage E - Personal Liability
• Coverage F - Medical Payments to Others

Important FACTs

• FLOOD is not an insured peril in a homeowners policy
• Certain items in Coverage C are subject to special limits of liability
  • jewelry, money, bank notes, securities, firearms, watercraft, electronics
• Homebusiness coverage is limited

ASK your AGENT about customized endorsements to meet your insurance needs

Footnote:

1 - Not included in a Renters or Condo/Unit owners policy