Property Insurance

Generally, insurance policies exclude damage caused by seepage, dry rot or vermin (animal pests). This is because these problems are usually the result of poor maintenance, not a sudden and accidental event.

Most homeowner policies have dollar limits on certain types of belongings. Generally, these limits are on silverware, guns, jewelry, watches, furs and computers. The limits usually cover losses of the average person. Talk to your agent or insurance company about increasing these limits to meet your individual needs.

Flood damage isn't covered by most homeowner policies. We can provide a separate policy through the National Flood Insurance Program and beyond for additional coverage needs.

Most homeowners insurance policies cover a wide range of items but often they don't cover everything one has. This void in coverage is usually due to the policy owner assuming that every item they have will be covered. They fail to let the insurance agent know of specialty items and specialty coverage they may need or be interested in. A homeowner can add extra coverage to their policy and should inquire with their insurance agent to do so. Some of the most common extra coverage is:

• Fine jewelry and collectibles
• Home office equipment and home businesses
• Identity theft
• Excess liability (umbrella)
• Flood

When shopping for a homeowners insurance policy, you may not end up with the best coverage if you only shop by comparing prices and not by comparing coverage. Your home is one of the most important purchases you'll make. Take the time to understand your insurance before you purchase it. It's one of the best decisions you make for yourself and your family.