The basic Homeowners policy is a package of insurance coverages designed to insure owner occupied dwellings (1-3 families)

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Coverages included are as follows:

A. Dwelling
Your house and attached structures. For example, a garage.

B. Other Structures
Structures not attached to your house. For example, a detached garage or a storage shed.

C. Personal Property
Your personal belongings, such as furniture, clothing, appliances, etc.

D. Loss of Use
Covers additional living expenses when you are forced to live at a temporary location while your home is being repaired, after a covered cause of loss.

E. Personal Liability
Provides coverage for Bodily Injury and Property Damage that you are legally responsible for. For example, a pedestrian slips and falls on your sidewalk.

F. Medical Payments
Pays reasonable and necessary medical expenses to persons, other than you or residents of your household, that are injured on your property.

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The above is only a brief description of the coverages provided under a homeowners policy. For more information about covered causes, limitations and exclusions, give us a call, FAX us, or E-mail us!  TOLL FREE NUMBER: 1-800-240-2277