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I am incredibly satisfied with the service provided by my insurance agent. They demonstrated a deep understanding of my needs and helped me find the perfect coverage tailored to my situation.
Peter Johnson
I appreciate the proactive approach my insurance agent takes in keeping me informed about policy updates and opportunities for improvement. Their commitment to keeping my coverage optimal is truly commendable.
Michael Davis
Efficient and effective! When it comes to processing claims or making adjustments to my policy, my insurance agent handles everything with speed and precision. It's a relief to know I can rely on their efficiency.
Joe Anderson
My insurance agent has a remarkable ability to simplify complex insurance concepts. Their clear communication style has made the entire insurance experience not only manageable but surprisingly enjoyable.
Christopher Wilson
John Lopez
Navigating the world of insurance can be daunting, but my agent makes the process seamless. They take the time to explain complex terms, ensuring I fully understand my coverage and making informed decisions.

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"Protect your home with our trusted insurance. Tailored coverage, 45 years of expertise. Safeguard your haven with confidence. Get peace of mind today – because your home deserves the best."

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Loss of use
Covers increase in living expenses.
                                              covers expenses above what you'd normally pay, up to your policy’s limits, if your home is damaged from a covered loss and you can't stay there while it’s being repaired or rebuilt.

Loss of use coverage

                     There's a fire in your home, and you can't stay there for two weeks while it is being repaired. If you spend $2,000 eating out, loss of use may cover the food bill beyond what you normally spend, and your rent/hotel expenses. Make sure you keep your receipts.

Example:

Personal liability

Covers lawsuits against you.

Personal liability coverage

                                                          protects you financially if you are responsible for someone’s injuries or damage to their property

Example:

                    A delivery person falls because of a loose railing at your house and sues you for their medical bills, lost wages, and damaged merchandise. Personal liability maycover you
Dwelling coverage
Covers damage to your house and attached structures.
                    A fire damages your home’s roof. Dwelling coverage may pay to repair or replace what's damaged.

Example

Personal possessions

                                              Covers personal belongings if they're stolen or damaged.

Personal property coverage

                                                            may cover your personal belongings damaged by a covered peril.
Certain limits may apply to your more expensive items like jewelry, art and collectibles but additional coverage may be available by purchasing an endorsement
                   Someone breaks into your garage and steals your bicycle and jewelries. Your home insurance may pay to replace the stolen items, up to the limits of your policy and minus your deductible.

Other structures

                                 Covers structures not permanently attached to your house

Example

                  During a fire, a tree falls and damages your shed. Other structures coverage may pay to repair or replace the unattached structure that was damaged

Example

What's not covered?
Home insurance policies won’t cover floods (if you live in a flood plain, your lender will likely require this insurance) earthquakes, landslides, mudslides or sinkholes.
General wear and tear typically won’t be covered by your policy, like if your roof is old and simply needs to be replaced. However, a roof damaged in a storm and heavy windsmay be covered, up to your dwelling coverage limit minus any applicable deductibleLearn more about what homeowners insurance covers and how home insurance works.
Perils: What you're protected against
Some of the perils that are typically covered:

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Fire or Lightning
Smoke
Damage from tornadoes
Damage from the weight of ice, snow, or sleet
Volcanic eruption
Windstorms or hail
Theft
Explosions (e.g., aerosol can or gas grill)
Vandalism or malicious mischief
Vehicles/aircraft crashing into your home
Damage from falling trees or other objects

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