Homeowner's Insurance 101
If you were going to jump out of an airplane…
Would you want a discount parachute?...
Why do the same with your home?
To ensure that your home is properly insured, please check with your insurance agent annually to verify that the dwelling coverage is adequate enough to replace your home, in the event of a total loss.
In today's enviroment, your personal assets are very important to protect. One of the best ways to protect your belongs from potential lawsuits, is to have enough Personal Liability Coverage on your policy.
Dwelling Coverage:
The amount of coverage to replace the structure and those items permanently attached to your home.
"Marshall & Swift/Boeckh, a Los Angeles firm that tracks building costs, in 2005 estimated 59 percent of American homes were underinsured, by an average 22 percent."
Basic Definitions:
*Certian restrictions apply. Ask responding agent for details. Applicable for site built homes only.
Price Shopping vs. Quality Insurance
Your Dwelling Coverage Limits
Your Personal Liability
Personal Property:
Your belonings, such as clothes, furniture, electronics, appliances, and most items not affixed to the home. Restrictions apply, so ask your agent.
Other Structures:
Coverage for structures that are not attached to your home; such as detached garages, gazebos, pools, ect.
Personal Liability:
Your protection against many types of lawsuits, that a court may find you liable for.
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