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 We've got you covered Homeowners and Personal Property Insurance Liability Coverage This coverage is part of your homeowners policy. It protects you and your family against claims arising from bodily injury or property damage for which you are legally responsible. Examples of situations covered by liability insurance include: if someone slips and falls on your property, if your dog bites a neighbor, or if your broken pipe causes damage to a neighbor's condominium. You can add a liability "umbrella policy" to your homeowners insurance to provide additional protection. Additional Living Expenses If your home becomes unfit to live in because of damage from a covered incident, your homeowners policy provides payment for the increased cost of lodgings, meals, etc.. How to Get the Lowest Rates Insurers frequently award lower rates to homeowners who guard against theft, accidents and other losses. And companies may provide discounts to premium for multiple-customers (home and auto). Here are some things you can do that generally qualify for lower premiums:1. Secure your home with dead bolts and window locks. 2. Install a security system with outside signal and connection to local police. 3. Install and maintain smoke detectors. 4. Install a sprinkler system for fire. 5. Install a fire alarm that automatically alerts the local fire department. 6. Stop smoking. Keep walks and entrance ways clear of snow and ice. 7. Purchase your auto and home insurance from the same company. Keeping Your Policy Up-To-Date Inflation, new purchases, additions -- there are many things that can change the amount of insurance you need for your home. The best way to know is to reassess the value of your home and possessions on an annual basis and adjust your insurance accordingly. and Free Quote |
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