Sentences with phrase «homeowners coverages such»

These policies offer coverage such as business liability and replacement of lost income, and homeowners coverages such as fire, theft and personal liability.

Not exact matches

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.

This Recovery Program has been created to provide assistance to those homeowners, small business owners, and farmers who were victims of the floods; it is intended to provide immediate recovery assistance to victims and to address gaps in disaster related coverage, such as insurance.

Other choices you'll have will include the size of your deductible, endorsements to cover certain classes of valuables, and additional coverages for special types of risks such as earthquake and flood, which aren't included in standard homeowners policies.

Once we determine potential risks, your advisor will recommend the most suitable coverage for you and your family, such as long - term care, life insurance, homeowner's insurance and automobile policies.

Personal umbrella insurance is a type of insurance designed to add extra liability coverage over and above another insurance policy, such as auto or homeowners insurance.

If a judgment against you exceeds the liability limits of an underlying policy, such as auto or homeowners insurance, a personal umbrella policy may help provide an additional layer of coverage.

A homeowners insurance policy with actual cash value coverage typically determines value by taking the cost to replace your personal belongings and reducing that amount due to depreciation from factors such as age or wear and tear, says the Information Information Institute (III).

Endorsements provide coverage that doesn't come standard with a homeowners insurance policy, such as debris removal and water damage from sewers.

If your state tends to see higher property damage costs, such as California or Louisiana, you should consider choosing GRC / ERC coverage for your homeowners insurance policy.

Homeowners that live in hurricane - prone regions, such as parts of Florida, Louisiana and Texas, may also have to supplement their coverage with windstorm insurance to cover all hurricane damages.

Although policies vary, a typical homeowners policy provides coverage for damage caused by certain «perils,» such as fire, lightning, and wind damage (except in certain locations).

Such insurance is not included in a comprehensive policy, but a homeowner in Ontario could add this rider for roughly 50 cents per $ 1,000 of coverage, explains Gilles Gratton, spokesperson for Intact.

Still, homeowners in quake - prone regions, such as parts of Quebec (especially around Montreal), the Ottawa Valley and B.C, should look into the coverage, according to the Insurance Bureau of Canada.

Personal umbrella coverage comes into play when your underlying liability limits (such as from a homeowners or auto insurance policy) have been reached.

Believe it or not but damage caused by intentional acts — such as vandalism or a criminal act — or often excluded from coverage under a homeowner's insurance policy.

Standard homeowners policies provide coverage for disasters such as damage due to fire, lightning, hail and explosions.

One of the companies we spoke with — State Farm — said that if you have «appraised» animals, such as show dogs or pedigreed breeder stock, you can obtain coverage under the «Personal Articles» portion of a homeowner's policy, but indicated that, in general, pets were not covered.

Unless further appealed, these cases are of precedent - setting effect — namely, that neither children accused of bullying nor their parents can rely on standard homeowners» insurance coverage for any damages or costs resulting from such behaviour.

As in any large metro area, Minneapolis homeowners insurance rates and coverage needs are based on a number of factors, such as your home's value and the exact ZIP code of your neighborhood.

Another way is to combine the different coverage policies you have, such as your homeowners and car, and then you might be eligible for a discount.

The liability coverage on a homeowner's insurance policy protects against damages for which you are found legally liable, such as injuries to others while on your property.

Insurance policies such as your auto, homeowners and motorcycle insurance include a monetary maximum amount for liability coverage.

Umbrella or Excess Liability offers broader coverage and covers for things which are not included under Standard Homeowners or Auto policies, such as libel, slander, and invasion of privacy.

But beyond the coverage you probably know you need, such as homeowners liability and personal property, you also need to know what the local requirements are.

With lower cost trailers, such as simple utility trailers, you can typically add coverage to your homeowners, renters or auto insurance, sometimes at no additional cost.

The basic homeowner's insurance policy includes coverage for specific risks such as fire / lightning, theft / vandalism, wind / hail and freezing of plumbing.

Standard homeowners insurance from Safeco features standard coverage such as guest protection, personal property and the cost of repairing or replacing your home.

Structures, which are attached to the insured dwelling on the same foundation, such as a garage, are also liable to coverage under this section of your Homeowners Insurance.

If you live in an area with high crime rates, you'll probably pay more for auto and homeowners coverage, since you are more likely to be a victim of crimes such as theft and vandalism.

You can immediately experience some savings by combining many of your other insurance coverages (such as your auto and life insurance) with the same company that you have your homeowner's insurance with.

Secondary coverage means that you must file a claim with your other insurance such as homeowners or medical first.

However, homeowners insurance covers very little for business equipment and does not support liability coverage, lost data or lost income in the workplace if such events occur.

Companies that sell auto insurance may also offer other types of coverage, such as homeowners, renters and boat insurance.

Standard homeowners policies provide coverage for disasters such as damage due to fire, lightning, hail and explosions.

Safeco offers standard homeowners insurance coverage, and customers can choose to buy additional options such as:

Homeowners are responsible for the actions of their pets; some companies will not provide coverage to owners of high risk «bully breeds» such as pit bulls

A standard homeowners insurance policy includes coverage for all perils included in your policy (such as fire, windstorm, theft and vandalism), for jewelry and other precious items, such as watches and furs.

Jewelry and Valuable Items: Valuable items, such as jewelry and fine art, are covered by a standard homeowners policy, but these items tend to cost more than the typical coverage limit.

To keep coverage affordable, standard homeowners policies generally only provide about $ 1,500 in coverage for such items, which means that the insurer won't pay more than that amount for any given piece of jewelry or other valuable item.

A standard homeowners policy includes coverage for jewelry and other precious items such as watches and furs.

If a judgment against you exceeds the liability limits of an underlying policy, such as auto or homeowners insurance, a personal umbrella policy may help provide an additional layer of coverage.

A standard homeowners policy offers only limited coverage for such items.

While homeowners insurance may help cover many kinds of belongings, such as furniture, clothing and computers, landlord insurance typically only provides coverage for items used to service the rented property.

While it is true that your homeowners insurance might provide a modicum of coverage in such an event, this coverage is typically very limited.

A package policy, such as a homeowners or business insurance policy, that provides coverage against several different perils.

An optional homeowners insurance coverage you can add to your Nationwide policy is Valuables Plus ® which provides additional protection for jewelry and other high - value items such as watches and antiques.

Some coverage for these situations may be included in your homeowners insurance, but many of these events — such as flood and earthquake — are excluded.

Insurance through the academy is in excess to any other coverage you have, such as homeowners insurance — meaning it will pay out only after other insurance is exhausted.

Personal insurance features and discounts worth noting include the «ACE» or additional coverage endorsement which adds important benefits to your homeowner's coverage such as more coverage for valuable items lost, stolen or destroyed by a covered loss; coverage for food spoilage, credit cards, watercraft and more.