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Home Insurance
A variety of coverages are available to insure
your home and contents.
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Comprehensive coverage provides
"All risks" on both your dwelling and the contents. |
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Broad form coverage provides "All
risks" on your dwelling and "Named Perils"
on your contents. |
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Standard coverage provides "Named
Perils" on both your dwelling and the contents. |
All risks coverage is most easily
defined as being insured against all risks of direct physical
loss or damage to the property described, except named exclusions
listed in the policy wording. Typically these exclusions include,
but are not limited to, damage caused by: wear and tear, faulty
workmanship, nuclear incident, radioactive material, war,
your criminal acts, etc.
Named Perils coverage can be defined
as being insured against direct loss or damage to the property
described, by perils listed and subject to exclusions. Typically
these insured perils include, but are not limited to: fire
or lightning; explosion; smoke; falling object; impact by
aircraft, spacecraft or land vehicle; vandalism or malicious
acts, water escape, rupture, freezing; windstorm or hail;
breakage of glass; theft, including damage caused by attempted
theft; weight of ice, snow or sleet; collapse of a building
or any part thereof; etc.
In addition, many home policies provide additional
coverage on your outbuildings, additional living expenses
if you must find alternative living quarter in the event of
an insured loss, food freezer coverage, fire department charges,
theft of credit and debit cards, plus many more.
We can also insure your cottage, condominium,
tenant package, jewelry, furs, fine art, sports equipment,
boats, personal watercraft and more.
Remember that in the majority of cases,
your home is the single largest investment you will make in
your life. Do not take chances. Insure it properly with Newman,
Oliver & McCarten. Let us help you make informed decisions
on the product choices available to you.
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