Building (Dwelling) Coverage
be sure your insurance covers the full replacement value of your home so that losses, partial and total, will be paid without a penalty – other than the policy deductible. We'll review with you what types of losses are covered, which are not, and what additional coverages you may want to consider.
Personal Property (Contents) (provided under ALL forms – owners or renters)
your personal property such as clothes, tables, chairs, beds, etc. are covered anywhere in the world. If you own a home, 50% of your dwelling value is included for your personal property. More can be purchased, if needed. If you are a renter or condo owner, you must choose how much coverage you will need. We'll talk with you about what limitations are right for you.
Loss of Use (provided under ALL forms – owners or renters)
when your property is damaged by a covered loss, you may have to go somewhere else to live until repairs can be made. You may also have to spend extra money for other things such as eating or driving to work. Your homeowner policy will provide you with a certain amount of money to pay these additional expenses.