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Homeowners |
 For most of us, our
home is the largest asset we have, so it makes good sense to
make sure it is properly protected. In most cases, we will be
able to insure your home for 100% of the replacement value,
which means that in the event of a catastrophe, your home will
be repaired, even if the damage exceeds your policy limit.
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A standard Homeowner policy protects you against:
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Liability
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Fire
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Lightning
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Windstorms/Hail
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Smoke Damage
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Falling Objects
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Freezing
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Weight of Ice and Snow
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Vandalism
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Theft of personal property
Damages that are EXCLUDED from your standard
homeowner policy:
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Earthquake
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Flood
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Water Backup/Sump Overflow
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Vermin/Rodent/Insect
Coverage may be purchased for the above exclusions. Please
call us for more details.
Click here for information on preparing a Home Inventory.
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Available Discounts* |
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Smoke Detectors
Discount for having
smoke detectors in your home.
Home
Security
Discounts for Burglar and Fire
Alarms, Dead Bolt, and Automatic Sprinklers
Non Smoker
Discount by being a non smoking
household.
Mature Credit
If you are age 55 and
older and one of the named insured's is retired.
Home/Auto
If you insure your auto and
home through Commerce Insurance, you can recieve 15% on your
homeowners premium. |
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Scheduled Items |
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Your homeowners policy does provide very BROAD contents
coverage in the event of a loss, BUT it does have LIMITATIONS
on certain items. You can schedule a valuable item onto your
homeowners policy for a minimal premium. By doing this, you
are ensuring the item is covered for all perils.
Common items that can be added as scheduled property:
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Jewelry
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Furs
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Cameras
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Musical Instruments
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Silverware
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Golfers Equipment
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Fine Arts
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Bicycles
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* Discounts offered subject to qualification and company
guidelines. The above discounts available for calendar year
2008. |
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Please click HERE to visit some useful
websites for your home. |
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