For most people, their home is their greatest asset. For this reason alone, you should take consideration in making sure your home is adequately insured. We at Platinum Insurance Agency will work with you to consider your best coverages at the lowest prices.
The Home Owners Insurance Policy is made up of several basic coverages including:

Dwelling: Provides coverage on the structure of the home, and any attachments (such as an attached garage), for an indicated amount of insurance. Coverage is usually provided on a replacement cost basis.

Other Structures:
Provides coverage on a detached garage or other structures not attached to or part of the home.

Personal Property:
Covers the homeowner’s personal property (sometimes referred to as contents) both on and off the premise.

Loss of Use:
Provides additional living expense coverage if the home is damaged as well as the loss of rental value under certain circumstances.

Section II – Liability
Personal Liablity – Provides coverage for bodily injury and/or property damage for which the insured is legally liable, including defense costs.
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Coverage F –Medical Payments to Others – Covers reimbursement of reasonable medical expenses for injuries sustained by a third party as result of the insured’s activities, whether or not the insured is legally liable.

Many additional endorsements can be added to your basic Home Owners Insurance Policy to increase or broaden the coverages.

Always ‘schedule’ personal property such as jewelry, fine arts, cameras, furs, golf equipment, stamps, musical equipment, guns, silver, etc.

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