Homeowners insurance protects your home and belongings against risks like fire, theft, vandalism, and certain natural disasters. It typically covers the structure, personal property, liability, and additional living expenses if your home becomes uninhabitable.
Scheduling involves placing specific items with a specific value on your homeowners insurance. It can also be called an “Inland Marine” policy. This allows coverage for items that may be leaving your premises and would then be lost or stolen. They can also be [...]
Replacement cost is the amount it costs to rebuild a home or structure. This amount can also include demolition. This value can be significantly different than an appraisal. Reason being, the cost of materials to rebuild can outweigh a home or structure’s market value. When [...]
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DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Read your policy or consult with your agent for details. Your eligibility for particular products and services is subject to final underwriting and acceptance by the insurance company providing such products or services.
This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Be sure to read the policy, including all endorsements, or prospectus, if applicable.
