A comprehensive homeowners policy is the foundation of home insurance.

While homeowners insurance is comprehensive coverage, there are elements it does not cover, which is why   gets to know our clients and understand their needs. Doing so allows us to craft a comprehensive risk management program for them.

Homeowners insurance highlights:

Your home: Your home should be insured for an amount based on the replacement cost value of your property. The “replacement cost” is what it would cost today if you were to rebuild your house in the event of a loss, and that cost is based on current building codes. There usually is a deductible — the amount you would be responsible for before the policy starts to pay out.

Personal property: Policies automatically provide a separate amount to cover your personal belongings, however there is a deductible. We suggest our clients create a home inventory, as documenting losses in the event of a claim will simplify the claims process.

Personal Liability: If you are legally responsible for an injury to a guest or for damage you cause to another person’s property, the personal liability section of your policy can provide important protection.

Other structures: Basic coverage is included for any detached structures on your property, such as sheds, garages or fences. There are specific limits on coverage available for these types of structures depending on the amount of coverage for the home itself.

Loss of use of home: If your home becomes uninhabitable, your policy can provide valuable benefits to help you with additional living expenses.