Homeowners/ Dwelling Insurance
Homeowner insurance covers losses to the home. It is designed to make the homeowner whole in the event of a loss. The homeowner must live in the home. Some of the losses covered by a homeowners policy include fire, water, freezing pipes, windstorm and theft. Homeowner policies also cover lawsuits from people that are injured on the homeowner's property. The policy also has a deductible, the agreed to amount of a claim that the homeowner is responsible for. The amount of coverage depends on the value of the home.
Liability and personal property are included in a homeowners policy. Flood coverage usually is not included in a homowners policy. It has to be purchased separately. To learn more about homeowners insurance fill out the question or quote form below.
Dwelling insurance provides coverage for a building in case of a loss regardless of it being occupied by the owner or a tenant. Dwelling policies only cover the losses listed in the policy and do not offer blanket coverage on the building.
Personal property coverage is optional under a dwelling policy. It can be added for an additional premium. A dwelling policy can also cover liability claims for an additional premium. If the building is occupied by a tenant, loss of rents can also be included for an additional premium. Flood coverage is usually not included and has to be purchased separately. To learn more fill out question or quote form below.
Fall Tips for Home
Question or Quote
1. Change the batteries in your smoke detectors and carbon
monoxide detectors when you turn your clocks back from
daylight savings time.
2. Use caution with space heaters. Always allow at least three
feet of empty area around space heaters. Read the
directions before use.
3. As temperatures drop at night black spots on the road may
be black ice. Drive with caution.
4. When wet leaves are on the pavement or roadway be careful
because they can very be slippery.
5. Choose your tools wisely if you are raking leaves. A lighter
rake means more energy is needed to move the leaves.
6. Dress properly to rake leaves. Wear light weight clothing that
does not trap and hold sweat.
7. Do a pre-rake warm up. Stretch your muscles and get your
blood flowing. You can burn nearly 300 calories by raking up
to an hour.
8. Take rake breaks every 15 minutes. Drink water to stay
hydrated. Stretch to release tension that may have built up.
9. Remember, safety first !