We Work With The Best Home Insurance Companies
Unlike car insurance, where the policies are pretty much the same, home insurance policies can be quite different. All home insurance policies are “package” policies. You get a group of coverages packaged into your policy for one overall premium.
They include coverage on your building, your personal property (furniture, clothing, etc.), and liability insurance in case you are sued, under the same policy.
The Home Insurance Coverage You Have Depends upon the Type of Policy You Have.
- Basic Policy
- House Insurance Policy
- Renters Insurance Policy
- Condo / Townhouse Policy
- Vacation Home Policy
House Insurance coverage protects your home and other structures on your property—like a garage or tool shed—against loss from many things, including, but not limited to:
- Smoke, fire or lightning
- Windstorms, hail or weight of ice, snow or sleet
- Theft or vandalism
- Falling objects
- Flood Insurance
- Freezing of a plumbing, heating, air conditioning or automatic fire sprinkler system, or of a household appliance
- Home policy renters insurance condo townhouse insurance
A Home Inventory Will Help Speed Up an Insurance Claims Process! Be sure to invest the energy in creating an inventory list.
Home Insurance Protects Your Possessions:
If your personal possessions—including furniture, clothing, and appliances—are damaged or lost as a result of a covered loss, we’ll arrange for them to be repaired or replaced. Homeowner insurance policy limits, terms, and conditions apply.
If your home is unlivable due to a covered loss, we’ll cover the additional necessary expenses you incur, up to the limits stated in your policy, to live elsewhere, enabling your family to maintain its normal standard of living.
If you own certain high-value items, such as jewelry, art or camera equipment, you should consider adding this coverage.
If someone is accidentally injured or has property damaged while on your premises, Liberty Mutual will defend any claims against you and pay those claims up to your policy limits. We’ll also pay for reasonable and necessary medical expenses up to the limit you purchased, regardless of who was at fault.
There is no better way to understand your homeowner policy than to read it! We suggest you pull out your policy and find the parts to your policy that correspond to the following explanations:
A typical home insurance policy consists of three things:
- The Declarations Page – that declares who, what and how much you are insuring, along with the date your coverage starts and the premium.
- The Policy Booklet – printed pages that contain the details of coverages and exclusions.
- Endorsements – separate pages, usually with endorsement numbers, that change (or endorse) specific parts of the policy.
Sometimes you are only given the original insurance policy once in the beginning, then on renewal, to cut down expenses, you are just sent the dec. page (declaration page) with the bill. It’s a good idea to save the original homeowner insurance policies should you ever need to refer to them.
Choosing The Right Homeowner Insurance Policy
Check the homeowner insurance policy carefully. If you see that you do not have enough coverage, we can help you to find out how much it would cost to increase those limits or to buy special coverage. Homeowners insurance policies generally cover destruction and damage to a residence’s interior and exterior, the loss or theft of possessions, and personal liability for harm to others.
Three basic levels of homeowner insurance coverage: actual cash value, replacement cost, and extended replacement cost/value. This is a lot of important information worth discussing!
Discuss Homeowner Insurance At One Of Our Insurance Offices.
We have 4 locations!
Any one of us can sit down and evaluate your individual situation with proper house insurance coverage. We are independent homeowner insurance agents with local insurance offices in Centerville (Dayton) Ohio, West Chester (Cincinnati) Ohio, and Northwood (Toledo) Ohio. We have insurance licenses for Michigan Ohio Indiana and Kentucky, so be sure to ask us about your property.
Our Insurance Carriers
Since we are not tied to one specific company, we can tailor a plan to you using several different products that suit you. Simply put, Greg Fay Insurance Agency offers more homeowner insurance options for you! Do you have an insurance claim? Contact your carrier right away!
