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| Personal Insurance: Homeowners |
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Replacement Cost. Your
house should be insured for what it would cost to rebuild. With
replacement cost coverage you do not have to be penalized by the cost of
depreciation.
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Apartment Insurance is readily available and it is
reasonably priced.
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If you are worried about the next earthquake, put
earthquake coverage on to your homeowners policy. It
is not part of the basic policy but can be added for a small charge.
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Flood damage is not covered by your homeowners. If
you are in a flood area, we can get you a separate Flood Insurance Policy.
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Consider bigger deductibles to save money.
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Replacement cost on your personal property is
important. The insurance company
will replace your damaged property with like kind and quality at todays prices.
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Do you have jewelry, furs, fine arts and
collectibles? The cost to insure these items are reasonable and the coverage is
very broad. In some cases you may
have to get an appraisal.
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We have monthly payments, electronic funds transfer
from your bank or you can pay on line.
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There are many coverages on your homeowners policy
and they are very broad. If you
have a problem, call us. It might
be covered.
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The commerce Insurance has a 24 hour claims
reporting service. 800-221-1605
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