When you buy a home, you're making a significant investment. And even if you didn't scrimp and save for a down payment for months like many owners do, it's crucial to protect your property however you can. From theft to vandalism to natural disasters, home insurance is a way to save yourself the headaches of any number of unpredictable events.
Home insurance can cover your structure and grounds, or it can cover your possessions, as well. You can file a claim under any covered event, including if another person makes a liability accusation against you. This means if your mailman accidentally trips on an exposed tree root and sues you for medical damages, you have someone to turn to.
It's all too easy to forget what home insurance will do for you when the chips fall, which is why there are so many homeowners out there without the right amount of coverage. What's worse is that they don't even realize they don't have enough until it's too late. TransGlobal P&C Insurance Agency is here to give you the answers, so you don't make a big mistake.
Home insurance is always changing based on everything, from laws to personal choices. If you decide to upgrade your home by adding on another bathroom, you need to update your policy to ensure that your renovation is covered. If you have questions about what you can do to feel entirely confident about whatever lies ahead, call us today. Whether you've owned your home for 50 years or you're in escrow right now, we can help.
Dwelling coverage can pay to repair or rebuild your home if damaged by a covered cause of loss. It covers anything permanently attached to your house, including your garage, roof, chimneys, attached deck, countertops, cabinets, flooring, and vanities.
Other structures cover structures not permanently attached to your house, like unattached garages, sheds, fences, decks, patios, pergolas from being damaged by a covered cause of loss.
We’re sure you’d want to cover your personal items in your home that may be damaged or destroyed by a covered cause of loss. These items could include your furniture, clothes, sporting goods and electronics.
Loss of use covers temporary living expenses due to covered loss. If your home is damaged from a covered loss and you can’t stay there, loss of use covers hotel, rent, and food expenses above what you’d normally pay.
Personal liability provides coverage to pay for claims of bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
Medical payment cover for medical expenses of someone else accidentally injured on your property.
This coverage may help pay to rebuild your home to current building codes after a covered loss.
We can help you by selecting a settlement of covered personal property losses based on replacement cost at the time of loss, with no deduction for depreciation. The coverage is subject to applicable policy limits and deductibles and special limits apply to certain items such as jewelry, fine art, furs, silverware.
This coverage provide a higher limits and expanded protection for special classes of property such as jewelry, watches, furs, silverware.
A personal articles floater is a separate valuable items policy that is available should you need coverage or higher amounts of coverage for specific valuable items.
If water is backed up from a sewer or drain within your home, or if it discharges or overflows from your sump pump, this coverage can help cover the loss up to a specified limit. This does not include coverage for flood or surface water backup.
You can choose a specified limit for identity fraud expense reimbursement coverage, which can help cover expenses to restore your identity if it's used fraudulently.
Please contact us to discover the homeowner insurance coverage you need for your unique situation.
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