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Most people would agree that their home is their most valuable asset.  If this were true for you, then you would also agree that having the correct Homeowner’s Insurance Policy is of the utmost importance. Since each homeowner presents a diverse variety of coverage needs, Hometown Insurance Center is contracted with a diverse variety of carriers that offer an array of coverage.  We will assess your coverage needs, view your property and research the replacement valuation before jumping into the quoting process.  In the end, you will be presented with a proposal for your Homeowner’s Insurance from a company that we feel meets your needs and offers the best coverage for your money.

Nuts & Bolts of a Homeowner’s Insurance Policy

Whether you are a new homeowner, or just want a better understanding of your homeowner policy, here is an outline of a policy in homeowner lingo.

Coverage A or Dwelling Coverage– This is the coverage that pertains to the actual structure you call home.  This figure should represent the full replacement cost valuation of your home.  It is not the sale value, as the sale value would take into account location and land.

Coverage B or Other Structures– This figure is 10% of your Dwelling limit and represents the coverage limit for other structures on your property (sheds, fences etc)

Coverage C or Personal Property– This figures is 70% of your Dwelling limit and represents the maximum amount you could collect to cover your personal property (furniture, clothing, electronics etc) if a covered loss were to occur.

Coverage D or Loss of Use– This figure represents the maximum amount you could collect to help with displacement services (hotel fees, food etc) if your home is deemed unlivable due to a covered loss.

Coverage E or Medical Payments– This figures represents the maximum amount that would be paid for a ‘No Fault’ injury claim if someone were to be injured on your property.  The ‘No Fault’ part means that this coverage will pay regardless of whether the homeowners’ negligence contributed to the incident.

Coverage F or Personal Liability– This figure represents the maximum amount that would be paid for any liability claim occurring on your property.  For minor injuries that do not exceed the Coverage E limit, this coverage will not come into play.

Bells & Whistles of a Homeowner’s Policy

Each company offers a variety of extra coverages and credits that can be included on a homeowner policy.  Some examples of extra coverage include Scheduled Valuable items (jewelry, furs etc), Specified Additional Coverage for Dwelling and Replacement Cost Coverage for Contents.  Some examples of credits include Loss Free credit, Renovated home credit and Account credit.  The staff at Hometown Insurance Center will assess your needs and desires and be able to recommend all of the ‘bells and whistles’ that pertain to you and your property.

Call Hometown Insurance Center today…together we’ll review what YOUR needs are based on your circumstances.