The Basic Homeowners Policy

This is the BASIC Homeowners policy. It is the economy-size in insurance package policies, but in no sense of the word is it cut-rate coverage. Although it may cost no more than some families pay for just Fire & Extended Coverage insurance, it is a combination of three or more important policies with all coverage shown on this page wrapped up in one neat package for convenience and dollar savings.

Covers All The Comforts Of Your Home, Including:

Your Residence - covers on replacement cost basis when insurance is 80% of value
Garage, Other Buildings - on premises, but not used for business; 10% of residence insurance
Personal Property - and possessions of your family at your home; 50% of residence insurance
Personal Effects - away form home, but in some areas to limits less than those at home.
Extra Living Expenses - while home is un-tenantable after disaster, e.g., living in motels.

Against These Physical Damage Losses, Glass Breakage, Vandalism and Crime:

Riot or Civil Commotion - including loss by pillage or looting.
Fire or Lightning
Damage by Aircraft - including missiles or spacecraft.
Windstorm or Hail
Smoke Damage - from your heating or cooking units.
Explosion
Vandalism - or damage due to malicious mischief.
Loss by Non-Owned Cars
Theft - including burglary and robbery.
Breakage of Windows, etc.

Plus Personal (bodily injury & property damage) Liability Insurance to Cover:

Claims for Injuries - to tradesmen, guests or other persons injured by occurrences at your home.
Off Premise Injuries - to others arising from acts of members of your family, pets, anywhere
Medical Expenses - for injuries to others at your premises or from your activities, liable or not.
Costs of Defending Suits - including attorney fees, etc. until coverage is exhausted, liable or not.
Damage to Property - of neighbors or others caused by anyone in your family, liable or not.

As excellent as this insurance is, the Broad Homeowners Policy will show you how this package protection can be made even better!

With every Homeowners insurance quote you will receive a Replacement Cost Evaluation of your home. The evaluation is valuable information and it is shared freely from us with no obligation to you. This evaluation should be used to insure that future claims will be paid on a Replacement Cost basis from your insurance carrier.