Sentences with phrase «home coverage policies»

Not exact matches

Your home and auto policies already offer some form of liability coverage in the event you're sued for bodily injury or property damage.

To cover claims in excess of what home and auto policies provide, insurers sell excess liability coverage (also known as an umbrella policy) in increments of $ 1 million.

(Policies with shorter durations of coverage cost less; the gamble may make sense, since about 75 % of nursing home stays last for three years or less.)

However, homeowners» policies are limited in coverage and you may need to purchase additional policies such as home - based business insurance to cover other risks, such as general and professional liability.

The policy includes coverage for the structure of your home, which includes your exterior walls, roof and frame; your belongings, including electronics and computers; liability protection; and loss of use coverage.

Mobile home renters insurance is the same as any other renters insurance policy and the coverages are equally important to tenants.

Mobile home insurance coverage is vastly similar to a standard homeowners insurance policy.

Mobile home insurance policies generally include $ 100,000 in liability coverage but policyholders can purchase as much as $ 500,000.

If you are searching for a comprehensive personal insurance policy for your home, car, or other asset, our team will work closely with you to provide coverage you can trust at a price you can afford.

Many policies allow you to suspend your teen's coverage - and save some cash - during the school year if he attends a campus 100 or more miles from home and is not taking a car.

Take the money you'll save on the shorter coverage period and buy a shorter waiting period, benefit for home care (as many policies pay out only 50 cents on the dollar for long - term - care at home), and compound - inflation protection riders.

Wi - Fi (802.11 b / g) connectivity for expanded coverage, as well as faster Web browsing and file downloading Support for T - Mobile HotSpot @Home add - on plan Enabled for T - Mobile's myFaves SM so customers can stay in touch with those who matter most with quick, one - click access via instant message, e-mail, or by calling or texting their five favorite contacts from the home screen Popular instant messaging clients: AOL ®, Yahoo! ® Windows Live ®, Google ® and ICQ ® 2 - megapixel camera with 5x digital zoom, built - in flash, self - portrait mirror and full - screen viewfinder Advanced media player with search capabilities, full - screen video playback, stereo Bluetooth ® support (A2DP / AVRCP), 3.5 mm full - size stereo headset jack and dedicated volume controls - supports MP3, AAC, WAV, WMA audio and MPEG4, H. 263 and WMV video formats Roxio ® Media Manager for BlackBerry ® (included with BlackBerry ® Desktop Manager software), which allows customers to easily search for media files on their computers, view and organize them, create MP3 music files from CDs, add audio tags, create playlists and automatically copy or convert pictures, music and videos for optimal playback High - performance HTML browser for visiting favorite Web sites while on the go Incredibly intuitive user interface with an easy - to - use trackball, dedicated «menu» and «escape» keys, and context - sensitive menus that make navigation feel instinctive and fast Full QWERTY keyboard for easy text entry Large, ultra-bright 320x240 color display for vibrant imagery Innovative light - sensing technology that automatically optimizes the screen, trackball and keyboard lighting for indoor, outdoor and dark environments E-mail and memo spell - checking available in various languages including English, French, Italian, German and Spanish Premium phone features with Speaker Independent Voice Recognition (SIVR) for Voice Activated Dialing (VAD), dedicated «send», «end» and «mute» keys, noise - cancellation technology to offset background noise, a low - distortion speakerphone for hands - free conversations, and Bluetooth ® support for hands - free use with headsets, car kits and Bluetooth peripherals Intuitive call management features such as smart dialing, conference calling, speed dialing and call forwarding Quad - band GSM / GPRS / EDGE / Wi - Fi network support for international roaming BlackBerry Maps, a mapping application that provides customers with driving directions Built - in Handango ™ InHand catalog of additional software applications available for download Support for polyphonic, MP3 and MIDI ring tones Expandable memory storage via microSD expansion slot Ultra-thin, high - capacity, removable battery that further extends the exceptional battery life for which BlackBerry smartphones are known BlackBerry ® Internet Service support allowing access to up to 10 supported e-mail accounts, including most popular ISP e-mail accounts such as Yahoo! ®, AOL ® and Gmail ® BlackBerry ® Enterprise Server support tightly integrated with IBM Lotus ® Domino ®, Microsoft ® Exchange, and Novell ® GroupWise ®, and featuring IT policy controls for IT departments to manage usage and deployments

When a covered loss prevents you from using your home as a residence while repairs are made, Arkansas renters insurance policies have another type of coverage that can respond.

This is when Coverage D in your home insurance policy kicks in, better known as loss of use (LOU) or additional living expenses (ALE) coverage.

The typical home insurance policy builds in ALE coverage at 20 percent of your home's insured value.

If your personal property suffers a loss from a peril named in the policy, whether it's at home or on vacation with you, coverage can still apply.

ALE coverage is standard in home insurance policies, but the amount can vary.

For example, if you have expensive jewelry, a typical home insurance policy won't provide enough coverage, says Rosemary Campbell, vice president of personal lines for Cheney Insurance, an insurance agency in Maine.

The extensive insurance advice provides a variety of information on topics including auto insurance, home / renters insurance, health insurance, and life insurance - offering easily accessible articles revealing tips on topics such as buying insurance, insurance policy questions, amounts and types of insurance coverage, addressing complaints, and claims.

Below, we provide descriptions of the main coverages of a mobile home insurance policy.

Often, your parents» homeowners insurance policy has significant limitations on your coverage, even if the carrier will endorse on a student away from home.

The costs to add this coverage to a home or business insurance policy is negligible, but it can save you thousands of dollars in the event that a tornado causes complete destruction to your property.

How your home or renters policy defines «aircraft» and whether that definition applies to your drone will determine whether you have liability coverage for drone - related incidents.

Individual policies can vary greatly in cost, however, based on your home's location and the coverage you choose.

Assuming you have an accurate and correct home inventory and replacement cost coverage on your policy, it's just a matter of filing a claim, having someone review the damage or loss, and going about the matter of replacing your property.

When you're working with Effective Coverage for both your auto and home coverage, your agent is able to match your coverage and make sure there aren't any gaps between the two policies.

Mobile home insurance offers coverage that is similar to what a homeowners insurance policy provides.

Homeowners insurance policies can provide coverage for damage to your home's physical structure (Dwelling coverage); damage to other structures like a garage or shed (Other Structures coverage); your personal belongings — whether in your home or elsewhere (Personal Property coverage); additional living expenses if necessary in the event of a covered loss (Loss of Use coverage); and your personal liability in the event someone is injured or their property is damaged by you or a family member (Liability coverage).

To be eligible for coverage, you will need to have and maintain minimum liability limits on your auto and home insurance policies.

Both policies provide insurance coverage for your home and your personal items, and they offer liability protection.

Many home insurance policies specifically exclude coverage for aircraft, but radio - controlled model aircraft usually are covered.

If you run a small business, even from your home, you'll want to consider endorsing that coverage onto your policy or buying a separate policy for the business.

Other Structures: Most mobile home insurance policies also include coverage for other free - standing structures on your property.

It's also possible to purchase a floater or endorsement that adds extra mold coverage to your home insurance policy.

Keep in mind that the TWIA only offers wind and hail coverage, meaning you'll still need to purchase a mobile home insurance policy.

When you purchase your home insurance policy, make sure you are familiar with the details of the coverage.

This is supplemental coverage not otherwise covered by another insurance policy (for example, cell phone insurance programs, or your home owner's, renter's, automobile, or employer's insurance policies) and may be applied after all other insurance.

Examine what your workplace benefit plan offers and then have your adviser review all your insurance policies — disability, life, auto and home — to make sure that your coverage is adequate.

Turns out there's a clause in the vast majority of home insurance policies that eliminates your coverage protection should you undertake a home renovation.

That's because home insurance policies can differ dramatically based on company, type of coverage, age of the home, the type of structure, among a number of other factors.

For example: if you take home $ 45,000 a year, then your policy should offer $ 765,000 of coverage.

If you own assets such as a home, car or stock portfolio, you risk losing them if you find yourself held responsible for costs that far exceed your insurance policies» liability coverage limits.

Regardless of whether a landlord's homeowners insurance coverage covers the same home as their renters, they should be able to deduct the premiums for an umbrella policy.

Although most weather - related property damage is limited to the structure of the building and is therefore covered by your master policy, you will need the coverage afforded by your condo insurance if damage occurs within your home.

It is important that you are aware that, like most home insurance policies, condo insurance does not provide coverage against flood damage.

Many homeowners are surprised to find that their home insurance policy provides coverage for family members living elsewhere.

Basically, this states that they will cover you for the full cost of replacing the home, even if the future cost of construction is more than the policy coverage.

For a full rundown of home and auto coverage that we are able to quote you on, what each entails and discounts for which you may qualify, call one of our knowledgeable representatives to get started finding a policy to include the protection you need at affordable prices.

If your home policy provides $ 200,000 worth of coverage, for example, the personal property portion would provide up to $ 100,000 worth of coverage for personal belongings.

Liability coverage is the part of a home insurance policy that may pay court costs or other expenses if you're found responsible for an accident, such as someone drowning or suffering a serious injury after doing a cannonball into the shallow end of your pool.