Insurance

Insurance Inc.
Offering choices since 1980
Call me directly to discuss your coverage choices. - Kim
 
Homeowners Insurance
 
A home represents more than just a valuable asset. It is our emotional center and a place where we house our most valued treasures. For more than 75 years, Safeco has been protecting people with one of the most outstanding lines of homeowner insurance offered in America today.
 
Homeowners Policy
 
The major coverages in your Homeowners Policy include:
 
Coverage A – Dwelling - 
This coverage protects the structure of your home for such perils as wind or fire. Quality coverage will not be limited to only a list of "named perils" but will be "open" perils with certain exclusions for losses better insured separately. Your agent can provide you with complete information.
 
Coverage B – Other Structures - 
If you have detached structures such as a garage or tool shed, this coverage protects them.
 
Coverage C – Personal Property
 - This coverage protects your belongings. Furniture, appliances, clothing, and similar property are covered up to a percentage of your Coverage A limit. This percentage is typically 70% of Coverage A, but is selectable by you. Because some belongings are of special value and better insured specifically, your Homeowners Policy limits the amount you can collect for such items as jewelry, furs, and fine art. To ensure you have the proper protection for these items, you will need to obtain specific insurance for these items, which is called scheduling. See your agent to schedule your most valuable items.
 
Coverage D – Loss of Use pays for the extra cost of living if your home is not habitable due to an event covered by your policy.
 
Coverage E – Personal Liability
 protects you from claims against you for injury to others or their property.
 
Optional Coverages
 
Important optional coverages include:
  • Extended Dwelling Coverage providing coverage above
  • Coverage A limits if needed 
Increased Building Ordinance coverage to pay the extra costs of upgrades to meet building codes
  • Replacement Cost Contents to replace your belongings rather than payment at depreciated value
  • Scheduled Personal Property for specific coverage on valuable items such as jewelry

 Other Coverages

  • Boat Insurance
  • Car Insurance
  • Renters Insurance
  • RV Insurance
  • Mobile Home Insurance

 

     

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