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Application for Fire Insurance and Free Quote There are two basic ways to protect your home through the purchase of insurance. Homeowners insurance covers your home and its contents. Mortgage protection - (a life insurance policy that pays off your mortgage in the event of death). We can assist you in determining which insurance is right for you! Homeowners Insurance "Named-Peril Insurance" and "All-Risk Insurance." Named-peril policies pay only for the causes of loss specified in the policy. All-risk insurance covers losses except those specifically excluded in the policy. Policy Types The Special Form Homeowners Package Policy covers the dwelling, separate structures and loss of use on an accidental direct physical loss basis and the personal property on a named-peril basis. The named perils include such perils as fire, extended coverage, broad form and theft. In addition, this policy protects you and your family members against damages for which you are legally responsible, arising from bodily injury or property damage. The Protector Plus and Townhouse Protector Plus Policies protects against identical perils as the Special Form and adds many additional coverage's. The Broad Form Renters Package Policy Covers the renter's personal property and building additions and alterations and loss of use on a named-peril basis. In addition, this policy protects you and your family members against damages for which you are legally responsible, arising from bodily injury or property damage. The Townhouse and Condominium Owners Package Policy covers the dwelling and separate structures on an accidental direct physical loss basis and personal property on a named-peril basis. For coverage world wide for the occupants personal property we have the coverage for you. Loss of Use is covered on an accidental direct physical loss basis For Homes, Townhouse and on a named peril-basis for Condominium. In addition, this policy protects you and your family members against damages for which you are legally responsible, arising from bodily injury or property damage. Covered and non covered perils Renters and Townhouse - Condominium Insurance Application for Fire Insurance and Free Quote |
