What your dad told you way back when still holds true today.
Your home IS your castle. It’s your biggest investment, and it’s only natural you’d want to protect it from whatever the cruel fates have to throw at it.
Statewide Insurance Group has been protecting ‘castles’ long enough to know that no two are alike. We can custom-build a homeowners policy that will bring your home and possessions back to the same condition they were in before the unthinkable happened.
It’s a little overwhelming to imagine the consequences of fire, theft and storms, but an independent Statewide Insurance Group agent has the knowledge and experience to make it a little easier.
Here is a shortlist of coverages to consider. A Statewide Insurance Group agent has the full details.
- Dwelling coverage. We call this ‘Coverage A.’ It includes the dollar amount to cover your home and any attached structures. This coverage is the core of any homeowner policy.
- Other Structures Coverage. Otherwise known as ‘Coverage B,’ this coverage includes structures not attached to your home like a detached garage, shed or fence.
- Personal Property Coverage. Moving on to ‘Coverage C,’ this covers the contents of your home.
- Loss of Use. What else could we call this, but ‘Coverage D?’ What happens when you can’t live in your home? Coverage D helps pay for living expenses until you can.
- Liability Coverage. This coverage will provide for your legal defense against a liability claim and will help pay for any judgment against you.
- Medical Payments. This coverage will help pay medical bills for anyone injured on your property or any injury caused by a member of your family or pet, regardless of where it happens.
- Optional Coverages. Most homeowners’ policies have a number of optional coverages or endorsements. These might include earthquake coverage, valuable items coverage or special wind deductibles.
- Replacement Cost Versus Actual Cash Value. Replacement cost pays the cost to restore or replace damaged property without the deduction for depreciation. Actual Cash Value is replacement cost at the time of loss, less depreciation.
