Homeowners Insurance offers you liability, building and personal property coverage. It covers you against losses from fire, theft, wind and lightning. Regardless of whether you own or rent or whether you live in a bungalow, mansion, townhouse, condominium or apartment, we can cover your personal possessions, including furniture, clothing, drapes and decorations. Your valuables such as jewelry, computers, fine art or silverware require additional insurance provided by a rider to your policy. In addition, most policies include liability protection.
Homeowners Insurance
At Danners Insurance, we understand that your home is perhaps your most valuable possession. That's why we work hard to provide you the best coverage, tailored to your needs, at a reasonable price. Typically, a Homeowners Insurance policy provides the following coverages. If you have any questions, please contact us.
w Property - Your house and separate structures are covered for almost any type of damage except for a few common exclusions listed in your policy, such as wear and tear, flood, nuclear hazards and earthquakes.
wPersonal Property - Your policy covers your on-premises personal property, subject to the policy provisions. Your personal property is protected anywhere in the world - if your clothes are stolen while on vacation, you're covered. Customarily, your personal property is covered for damages resulting from the following:
w Fire or lightning
w Windstorm or hail
w Explosions
w Riots or civil commotion
w Falling objects
w Aircraft and vehicles
w Sudden or accidental smoke damage
w Vandalism or malicious mischief
w Theft
w Sudden and accidental discharge of water or steam
from plumbing system or appliances
w Building collapses
wPersonal Liability - Your coverage pays for bodily injuries to other people or damage to their property if you are liable, when the damage is caused by the following:
w Use of your premise, including swimming pools
w The acts of your pets
w Unintentional acts by you or a qualified family member
Also, this coverage pays medical payments for other people injured on your property, regardless of liability, up to certain limits stated on your policy.
wOptional Coverage
These coverages are not part of your homeowners policy. They can be added to provide coverage above what your policy usually provides.
w Personal Articles Floater
w Personal Umbrella Coverage
w Flood Insurance
For information on CONDOMINIUM and TOWNHOUSE policies, contact Danner Insurance.
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