Homeowners Insurance provides coverage for your dwelling, contents, and additional living expenses. It also provides coverage for Personal Liability.
Most insurance companies offer additional coverages in addition to the basic coverage provided. These include replacement cost coverage for the residence and contents, water backup coverage and increased coverage for jewelry and furs.
Coverage for your dwelling and contents is subject to a policy deductible. Higher deductibles are available to help lower your annual premiums.
We also recommend that you purchase a personal umbrella policy, which provides you with additional liability coverage of at least $1,000,000.
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