Real Life Situations
The home insurance policy is one of the most misunderstood policies that an individual can purchase. Many changes to this type of insurance policy have occurred over the years to expand what is covered and to clarify what the policy excludes. Our dedicated protection team will guide you through this selection process to make sure that you are comfortable with the various provisions and coverages within the homeowners policy.
To be very clear, the ultimate purpose of homeowners insurance is to enable the homeowner to rebuild his or her home and life, even in the event of total destruction.
A good homeowners insurance policy will cover:
Any detached structures, like garages or garden sheds
Your personal belongings
Additional living expenses in the event of a loss
Medical expenses to others who may be injured on your property
Our office will provide you with the most comprehensive policy available on the market today, helping you put your life back in order in the event of a catastrophic loss.
Not all home insurance policies are alike. To be sure, there are many insurance companies on the market today that will quote an inexpensive policy, but most of them are only giving you the “bare bones” coverage. When quoting your home insurance premium, we will use a full replacement cost valuation to be sure that you can replace your home in the event of a total loss.
We will also make sure you are clear about any areas of the policy that have limitations and exclusions. Items such as earthquakes, landslides and floods are excluded from the policy but may be purchased separately.
Other items such as jewelry, coins and collectible items have limitations in the policy but can be added by providing appraisals and paying a small additional premium.
Discounts are available for newer homes, central station alarm systems and higher deductibles.
As you can see, our protection team understands the way home insurance works. Let us identify the kind of policy and coverage you need while working hard to provide you with insurance that makes sense for your situation. Call Crosbie Job today and let us help you get started on your personalized insurance plan.