Juffer Insurance Inc. - Homeowners Insurance

Homeowners Insurance

Dwelling - coverage for you home or "dwelling" itself. This
includes items permanently attached or installed in the home
such as the furnace, kitchen sinks, and bathroom fixtures. It is
important that your home is written for replacement cost rather
than market value to insure full payment for any damages at the
time of loss.

Other structures - this coverage includes any detached
structures you may own including garages, storage sheds, and
fences. The limit here is normally automatically some percentage
of the dwelling limit. It is important to discuss items on your
property with your agent to verify if they are considered part of the
dwelling or an other structure due to loss settlement differences.

Personal Property - this is written as a percentage of your
dwelling coverage also and should always be written for
replacement cost. This is where all of your appliances,
electronics, furniture, clothing, etc. is covered. You should talk to
your agent if you have items of high value or collectibles to be
covered.

Loss of Use - pays for "extra" expenses for you to live elsewhere
if your home is not liveable due to a coverage loss. This would
include hotels, dining and laundromat services if necessary.
Coverage is written as a percentage of the dwelling limit

Personal Liability - you must be found negligent or legally liable
in order to collect under this coverage. This will protect you
against lawsuits against you arising out of your responsibility as a
homeowner.

Medical payments - pays for medical expenses of others as the
    result of an "accident: or "injury" on your property. This will not pay
    for expenses of anyone living in the home. You need not be negligent
    in order to use this coverage.

Condominiums - requires all the same coverages as the
homeowners policy with special attention given to the amount of
coverage required on the dwelling based on your individual
purchase agreement.

Renters - provides coverage for personal property owned by a
tenant. The personal property limit will be based on individuals
value of belongings and should be written at a replacement cost
value.

Mobile Homes - an owner of a mobile home requires all the
coverages as that of homeowners. The rate for mobile home will
partially be determined by where the mobile home is located and
whether it is skirted and/or tied down. It may be possible to
purchase replacement cost for the mobile home dependent on the
age and value.