Flood and Earthquake: One thing homeowners insurance doesn't cover is damage from floods or earthquake. So if you have a home in an area vulnerable to rising water or flooding, or are concerned about earth movement, ask us about how you can purchase flood or earth quake insurance.
Jewelry: Although jewelry would be considered part of your personal property or contents coverage ~ higher valued items should be specifically scheduled under your policy. This provides broader coverage, including mysterious disappearance, and assures that a proper value is set on the item.
Home Business: Business exposures in your home are not automatically covered by the basic homeowners policy. In some cases, the policy can be endorsed to cover your exposure; however, depending upon the exposure ~ you may need to have a seperate business owners policy. If you have a business in your home, contact our office for a thorough review.
