"Unexpected events happen every day, pipes burst, break-ins occur, fires erupt. These events have catastrophic financial consequences. Let us show you how to protect your home, your financial well-being and your family with great coverage at affordable rates."
If you own your own home, then you'll want to protect not only your physical building, but all the things that are in your home too. A standard homeowners insurance policy will ensure that if something like fire, vandalism or theft occurs, then you will be properly looked after and your valuables will be replaced.
You also need to think about protecting any other structures that exist on your property, like a detached garage. And, in the event that your home is damaged, and you need to move out for a while, you may want to consider investing in insurance that will help pay for out-of-pocket expenses like hotel rooms and food.
As a homeowner, it is possible that you may be held liable for accidents that people have while on your property. What's more, you may accidentally damage other people's belongings either in your own home, or somewhere else. A well-structured home insurance plan will make sure that you're covered for any of these unforeseeable events.
We have found that most people don't take the time to read their policies until such time as they have a claim or some type of problem. Especially when you are away on winter holidays for more than 4 consecutive days, for you to be insured against freezing of a plumbing, heating, sprinkler or air conditioning system or domestic appliance, you must arrange for a competent person to enter your home "daily" to ensure that heating is being maintained. Alternatively, you may shut off your water supply and have all pipes/appliances drained.
Homeowners insurance policies exclude coverage on property related to a business which is actually conducted on the residence premises. Assuming your business is not conducted from your home, most do include coverage on books, tools and instruments pertain to your profession or occupation but only to a limited amount and only while on your premises. Other business property, including samples and goods held for sale, is not insured.
Types of Packages available are:
- Standard: provides Named Perils coverage on both your dwelling and personal property, subject to policy exclusions, limitations and conditions.
- Broad: provides All Risk coverage on your dwelling and Named Perils coverage on your personal property, subject to policy exclusions, limitations and conditions.
- Comprehensive: provides All Risk coverage on both your dwelling and personal property, subject to policy exclusions, limitations and conditions.