1. Personal possessions: If your personal possessions such as furniture, clothing and appliances are damaged or lost as a result of a covered loss, we’ll arrange for them to be repaired or replaced. But our policy limits and terms and conditions apply.
2. Additional living expense: If your home is unlivable due to a covered loss, we'll cover the additional necessary expenses you incur up to the limits stated in your policy, to live elsewhere, enabling your family to maintain its normal standard of living.
3. Liability: If someone is accidentally injured or his/her properties damaged while on your premises, our company will defend any claims against you and pay those claims up to your policy limits. We’ll also pay for reasonable and necessary medical expenses up to the limit you purchased, regardless of who was at fault.
4. Inflation protection: If you purchase Inflation Protection Coverage at an additional cost, our insurance company will automatically adjust your policy limits to keep pace with inflation and you will receive a discount on your policy premium.
• Protective devices discount: Our company enables you save on your home insurance by outfitting your home with protective devices such as smoke alarms, deadbolts, fire extinguishers, fire alarms, burglar alarms or sprinklers.
• Newly Purchased Home Discount: Through our company you can receive special savings if you've recently purchased your home.
• Multi-Policy Discount: If you have more than one policy with us, you can qualify for a multi-policy discount that gets you comprehensive protection and additional savings. Bundle your home insurance with another policy such as Auto, Life and you won't just save money, you'll also enjoy the convenience of having all of your policies in one place.
• Claims Free Discount: You'll save on a new home policy if you have not filed a claim with your previous insurance carrier for five years or more.
• Safe Homeowner Program: You don't need to be a new customer to be rewarded for being a responsible homeowner. If your policy remains free without claims with us for three years, you could save on your premiums.
1. We offer optional extended replacement cost coverages to help ensure that your home will be rebuilt to its original quality, without a deduction for depreciation.
2. Our company offers coverage for condo owners and renters to protect your property against damage from fire, smoke, storms, vandalism, theft, and other hazards.
3. We have a 24-hour claims reporting, so that you can reach us whenever you need our services.
4. Peace of mind: Having a home insurance policy won't prevent random acts of nature, but it does put a safety net between you and catastrophe. As long as you have that in place, you can rest assured that you'll be better equipped to weather a storm or crisis.
Auto insurance is a contract between the customer and the insurance company.
A house can be considered as an asset. An asset needs to be safeguarded
Many types of insurance policies are out there for you to pick up the required one
If you are a small business US with four to fifty full-time employees,