With few exceptions, your home is one of life’s most substantial investments and your most important asset. Thus, you want to make sure to have the proper coverage to protect it. A typical Homeowners insurance policy will pay for damage to your dwelling itself and other structures – such as a detached garage, shed or barn – caused by covered perils. These perils include, but are not limited to, fire, lightning, hail, and tree damage. The policy will cover temporary living expenses you incur in the event you cannot live in your home due to a covered claim.
Most Homeowners insurance policies are written based on Replacement Cost, which is the approximate dollar figure it would cost to rebuild your home should it be destroyed. It is important that careful thought be given to this figure — not only to ensure proper coverage in a disaster scenario, but also to ensure you are fully covered for a partial loss.
Ask yourself this: “Do I have the proper amount of coverage to replace my home in the event it is damaged or destroyed?”
Your Homeowners insurance policy also protects your personal property such as furniture, appliances, clothing, sporting goods, lawn equipment, etc. There are policy specific limts on losses to unscheduled jewelry, fine arts, antiques, fire arms, musical instruments use professionally, etc. For these items, scheduled coverage is available.
Additionally, your Homeowners policy provides liability coverage in the event a claim or, lawsuit is brought against you or a covered family member for bodily injury or property damage (subject to policy provisions), including damage or injury caused by a domestic pet.
Call Atchue Insurance today for a comprehensive review and competitive rate quote! Be sure to ask about discounts on your Homeowners insurance and Auto Insurance when we write both coverages.
Atchue Insurance is able to offer special and convenient programs tailored specifically for customers who need extra protection for their High-Value Home(s). Our plans may include a full replacement cost building coverage provision as well as increased limits on jewelry, furs, fine arts, etc. Our plans may also include Equipment Breakdown coverage protection for heating and air-conditioning systems.
Our High-Value Home program offers protection for both new and older, unique construction homes such as those built in the 1920’s and 1930’s – Craftsman, Victorian, Colonial, Federalist, French Manse, etc.
Atchue Insurance offers comprehensive coverage plans for High-Valued Homes at rates that are considerably less than that of many other companies.