Taking the time to purchase the right homeowners insurance policy will be beneficial if you ever have a loss.
When insuring property you always need to be concerned about adequate insurance coverage for the standard perils of Fire, Lightning, Windstorm, Theft, etc. These coverages are necessary for insuring the Home, Other Structures, Personal Property, etc.
Almost all property policies have exclusions and limitations for certain types of property. Other coverages you should consider are including the following, but they are not limited to:
- Sewer & Drain Backup
- Identity Theft
- Incidental Farm Liability
- Incidental Business Use
- Increased Money Coverage
- Increased Limits on Firearms, Jewelry, Silverware, Trading Cards, etc
- Collector Items & Fine Arts
- Mine Subsidence
- Building Ordinance and Law Coverage
If you have any questions about these optional coverages, please contact our office, we will be happy to help you in any way we can.
We will be glad to provide you with a proposal for any of our home insurance policies.