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Homeowners Insurance Coverage
The biggest investment most people will ever make is in their home. After making a sizable financial investment in your home it deserves a comprehensive homeowners plan to adequately protect it.
For many people, their home is the single most valuable thing they own – and of course most homes are filled with many other necessities including clothing, furniture, electronics and more. Finding comprehensive
homeowner’s insurance is critical to protecting these cherished possessions. The basic coverages that are necessary for every homeowners policy include:
- Dwelling Limit
- Personal Property
- Personal Liability
- Medical Payments
But if you think homeowners insurance covers everything, think again. If your waterfront property includes a dock and boat, you need more than a basic homeowner’s policy. A basic homeowner’s policy also will not cover your antiques, expensive jewelry or valuable artwork. A single piece of lost or stolen jewelry could exceed the limit designated by your policy. Lassen, Marine & Webster will ask you questions designed to make sure you are fully protected, and can help you obtain coverage extensions including:
- Jewelry, fine arts and antiques
- Identity theft
- Flood
- Water backup of sewers and drains
Renters Insurance
Even though you are not paying a mortgage on the space you are living in, you are still susceptible to all of the same risks as a homeowner. Although renters insurance in not always required, it is necessary not only to protect your valuable items but also to provide liability protection in the event someone is hurt in your dwelling. Before you shop for renters insurance, take inventory of what you own, including televisions, laptops, furniture, clothing and dishware to determine the level of coverage best suited for your situation. Available coverages include:
- Personal property
- Personal liability
- Medical payments
- Coverage for your living expenses if you are unable to live in your home because of a covered loss
- Financial protection if property is stolen or damaged
Tenant Dwelling Insurance
Just as with renters insurance, tenant dwelling insurance can protect you from liability in the event a renter or guest is injured in a property you own. The experts at Lassen, Marine & Webster will help you assess factors that will affect your premium, including age of building, number of rental units and the type of construction to design a policy that is comprehensive and affordable.