|
Homeowners
Insurance
Personal Homeowners
Policies limit on Valuables.
Did you know in a standard homeowners policy,
coverage limits for jewelry, furs, watches, and related items is only
$1,000 combined? These and other limits are in place to encourage
homeowners to buy additional coverage for valuable and hard to replace
items.
Additional coverage can be purchased through a
Personal Articles Form or other additional applicable policy. Below is a
list of item categories that may have limited coverage limits as low as
$200 per category.
Examples of Items That May Have Limited
Coverage Under Your Homeowners Policy:
- Money
- Valuable Papers and Securities
- Boat Trailers
- Business Use Property
- Silverware
- Firearms
- Jewelry (including furs, watches, and
related items)
If you have any of the items above or are
planning to purchase some in the future, it is important to check with
your agent for additional coverage. It is also important to note that
every policy is different and to check specifically what your policy
includes and excludes.
|
|
Auto Insurance
Want to save
money on your auto insurance?
You may be eligible
for premium discounts on your auto insurance policy for:
-
Front-seat
passive restraints.
-
Anti-lock brakes
-
Good students
status (for young drivers)
-
Car pools
-
Air bags
-
Vehicle Recovery
Systems
-
Car Alarms
-
Completing
a defensive driving course
Check with us to find
out how you may be able to save money on your auto insurance.
|
|
Watercraft Insurance
According to information from the U.S. Coast
Guard, property damage to boats has been increasing.
Insurance coverage's you will want for your
boat:
- liability
- physical damage
- theft
- medical payments
- motor coverage
- trailer coverage
- Electronic devices
Discounts you may be entitled to:
- new boat
- automatic fire extinguisher
- burglar alarm
- ship-to-shore radio
- approved boating education course
Personal Umbrella Coverage
What is Umbrella
Coverage? Umbrella coverage allows you
to cover yourself against other persons suing you for accidents that
occur on your property.
Doesn't my
Home Owners insurance cover that already? Umbrella's cover
you after your normal home owners insurance coverage has paid it's
maximum liability. For most home insurance this is $300,000 or $500,000.
|