When purchasing a new home or renting, it is important to verify that your insurance policy will cover all possibilities in times of disaster. By meeting with an insurance agent at DM Bruce Insurance, the particulars of your individual needs and desires will be discussed and all the appropriate options presented to you.
Homeowners Insurance
Your insurance policy is not just for fire and theft. There are many aspects to a policy covering different contingencies.
Dwellings: This ensures the structure is covered in case of fire, storm damage, vandals, or through an accident.
Contents: Replace your personal belongings after a loss. Options for full-replacement value are available and should be considered for valuable electronics. Discuss what valuables are in your home.
Additional Living Expenses: When you are displaced, the cost of hotels, food and emergency expenses can be covered.
Liability: Accidents do happen. Protect your personal expenses when you or your family causes injury or property damage to another party unintentionally.
Medical Payments: Don't get caught paying for exorbitant doctor's fees when somebody gets injured on your property.
Your agent will review each section of the existing or new policy and ensure that you have the best possible coverage for your budget and situation.
Renters Insurance
The owner of your apartment insures the building, but not your possessions. What would you do if a fire in the building causes smoke damage to your entire wardrobe? Renters insurance provides coverage for your personal property and the expenses of being displaced in case of the building becoming uninhabitable through no fault of your own. The cost of these policies are generally much lower than the customer expects. It is a small price to pay, indeed, for peace of mind.
When purchasing a home, don't hesitate to contact DM Bruce Insurance to discuss the options of home insurance available to you that meets your needs and budget.
