Tips on Home Insurance prices

Dwelling Coverage

is provided for your home and separate structures like a detached garage, swimming pool,

or a decorative fence. Separate structures the same location as your home (other than

those used for business purposes) are covered for 10% of the value of your home.(Higher

limits available for additional premium). Coverage is provided on a Named Perils basis.

These perils are listed below:

Fire,lightning, windstorm, smoke, freezing theft, glass breakage, explosion,

weight of ice, snow or sleet.

Personal Property Coverage

Coverage is provided for up to 60% of your dwelling value. (Higher limits are available)

Personal property is covered anywhere in the world. Coverage is provided a Named Perils

basic.These perils are listed below:

Fire, lightning, windstorm, smoke, freezing theft, glass breakage, explosion,

weight of ice, snow or sleet.

Dwelling and Personal Property Deductibles Options are $250, $500, $1000, $2500, $5000

Loss of Use

Coverage is provided for additional living expenses if your home is unfit to live in

due to a covered loss.

Dwelling property coverage- options available for an additional cost.

Special form dwelling coverage protects against loss from most perils, except those

specifically excluded under the insurance policy. Common exclusions include wear and

tear, earthquake, flood and damage caused by birds, vermin, Insects or domestic

animals if owned by the insured.

Guaranteed replacement cost coverage.

Guaranteed Replacement cost coverage is available for many dwellings.

Guaranteed Replacement cost means there is not a cap on the loss settlement insurance

amount to replace your dwelling. To maintain this coverage you must report all

additions and improvements to your home that exceed $ 5,000.

Extended Replacement Cost coverage is available for many dwellings.

This option caps the loss settlement insurance amount to replace your dwelling.

To maintain this coverage you must report all additions and improvements to your home

that exceed $5,000. Extended Replacement Cost coverage is available for many dwellings.

This option caps the loss settlement insurance amount to replace settlement insurance

amount to replace at 125% of the value insured. To maintain this coverage you must

report all additions and improvements to your home that exceed $ 5,000. Replacement Cost

coverage is available for many dwellings. The loss settlement insurance amount for

replace your dwelling is based on the amount needed to replace the property without

deduction for depreciation subject to the value insured.

Residence glass waives the deductible for glass breakage to windows and door glass with

the exceptions of stained glass, greenhouse glass, radiant and solar heating panels,

chandeliers or light fixtures, mirrors, and similar items.