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Home Insurance Resources
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Your home may be your greatest asset. But more than
possessions and assets, it's your home and you need
to protect it. Whether you rent or own your home,
you've got a wide range of property insurance
products and coverage to choose from.
First, understand coverage elements:
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Personal Property: To protect movable personal
property, mostly within your home. Certain
coverage limits apply.
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Family Liability Protection: To pay for covered
damages which you're legally obligated to pay.
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Guest Medical Protection: To pay for medical
expenses for your guests who are accidentally
injured on your property as a result of a
covered loss.
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Additional Living Expenses: To pay the
reasonable increase in living expenses if your
home becomes uninhabitable after a covered loss.
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Second, consider which policy is right for your living
situation:
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House
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Condominium
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Mobile home
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Renter
Third, personalize your policy with additional coverage such
as:
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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.
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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.
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Portable cellular communication systems coverage.
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Satellite Dish Antennas coverage.
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And many more! See your Designer's Insurance agent for
more information on the Optional Coverage available in
your state.
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Finally,
since most Homeowners, Condominium, Mobile home, or Renters
Insurance Policies do not cover flood, find out if you're
eligible for a Flood Insurance Policy.
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Important Home Insurance Links:
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