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General Information About Homeowners Insurance
Properly insuring your home provides protection for you and your family. Every dwelling needs homeowner's insurance coverage. Whether it’s a new home, a second home, a rented home, or if you are renovating your home and updating for complete coverage, homeowner’s insurance is important for the protection of your dwelling, personal property, and personal liability. The following is a list of things that could be included in homeowner's insurance comprehensive coverage, but always check your policy for exact coverage:
Dwelling Coverage
The dwelling portion of the policy covers the actual structure of your home. When you are deciding exactly how much coverage to buy, you will need to consider actual cash value or replacement cost for your home. Talking with a J. Byrne Agency professional can help you make an informed decision.
A list of risks that could cause damage that your insurance policy may protect against:
- Fire, or smoke damage
- Theft or vandalism
- Damage from vehicles
- Explosions, lightening
- Damage from heavy snow, ice or sleet
- Freezing or accidental overflow of water from plumbing
Personal Liability Coverage
If someone is injured on your property, this portion of the homeowner’s policy goes into effect. J. Byrne Insurance professionals will help develop the perfect coverage for you. It is often recommended that you have an umbrella liability policy to cover all situations.
Other Structures
Structures that are not attached to your home are covered in this section. It works much like Dwelling Coverage. Sheds, unattached garages, and other permanent structures may be covered.
Home Contents Coverage
This coverage is for all your personal belongings. Everything in every room, drawer, closet, attic, basement or in any structure on your property is considered personal property and covered under this section. Make sure to discuss actual cash value and replacement value with the J.Byrne Agency.
J. Byrne Agency would like you to remember …
- Have an inventory of all your personal property. Photographing or video taping is a way to help establish your inventory.
- Make sure you include everything in your home and on your property. Additional insurance may be needed for high valued items. This could include art work, jewelry, computers and antiques.
Speak with the J. Byrne Agency to select the correct coverage for your valued treasures.
Loss of Use
While you rebuild or repair your damaged home you may need a place to live for a short period of time. Usually a percentage of the dwelling coverage provides for this protection. This section could also provide financial assistance for meals and storage of property.
Medical Fees and Payment Coverage
Some minor medical costs of a person injured in an accident on your property would be covered under this section.
Annual Review
At J Byrne, we strongly recommend you review your insurance coverage at least once a year. Your driving habits or living situations may have changed. Or, maybe you’ve made a few major purchases throughout the year that should have extra coverage. Inflation or depreciation can affect the value of your properties and their contents. Call J Byrne now to review, renew or establish your customized insurance policy that fits your world. |
