Home Owner's Insurance
We offer a wide range of coverages to address your insurance needs, whether you own a mobile home or you rent or own a home, condominium, townhouse or apartment.
Mobile Home Owner's Insurance
Enjoy carefree mobile home living with our Mobile Home Owner's Insurance. Our policy protects you against financial loss resulting from certain perils that may occur.
Home Owner's Insurance Includes Four basic Coverage
Coverage A is insurance protection for the dwelling or house. It includes attached structures such as a garage or carport as well as materials you may have that are to be used for repair or construction. When a home owner policy is issued for $150,000 that means it has $150,000 Coverage A.
Coverage B protects outside structures not attached to your dwelling, such as detached garage, storage buildings, fences, playhouses, pool houses, etc. The amount of insurance protection under coverage B is usually 10% of coverage A.
Coverage C protects your personal Property (contents). This is usually worldwide protection and includes theft protection -- even if you're on vacation and your personal property is stolen in a faraway place. The amount of protection for coverage C is usually 50% of coverage A, and can range up to 80%.
Most Policies include a list of Limitations and/or exclusions. For instance, animals - pests are not covered. Credits cards are not covered. Theft of guns from your from your property might have a limitation of $2,000 and theft of furs or jewelry may very well be limited to $1,000. Riders (endorsement) can be added to your basic homeowner policy to increase coverage for your personal property.
Coverage D provides living expenses for you should your dwelling become uninhabitable. Your increased living expenses are paid until you are able to return to your home or you permanently relocate.
Some of the more usual exclusions for the policy are:
- Damage by animals owned or kept by you
- War or Nuclear hazards
- Flood
- Intentional Loss
- Power Failure
- Negligence
- Earthquake
- Rust or Corrosion
- Order by Civil Authority
Replacement Cost on Contents
Replacement Cost on Contents is provided with some of our plans, or can be purchased for additional premium. This coverage provides for replacement of your damaged property without deduction for depreciation, subject to certain qualifying conditions and limitations.
For other enquiries fill out our non-obligation quote form or contact our agent online!