Your home is your biggest asset so you need to make sure it is properly covered. Our dedicated protection team will guide you through this selection process to make sure you are comfortable with the various provisions and coverages within the homeowners policy.
The purpose of homeowners insurance is to enable the homeowner to rebuild his or her home in the event of total destruction.
A good homeowners insurance policy will cover:
- Your residence
- Any detached structures, like garages or garden sheds
- Your personal belongings
- Additional living expenses in the event of a loss
- Personal liability
- Medical expenses to others who may be injured on your property
Our office will provide you with the most comprehensive policy available on the market today which will help to put your life back in order in the event of a catastrophic loss.
Not all home insurance policies are alike and you need to know the difference. There are many insurance carriers that will quote an inexpensive policy but you need to be aware because many of them are only giving you the “bare bones” coverage. When quoting your home insurance premium, we will use a full replacement cost valuation to be sure that you can replace your home in the event of a total loss.
We will also make sure you are clear about any areas of the policy that have limitations and exclusions. Events such as earthquakes, floods and sewer and drain back ups often are excluded from the policy. The home insurance professional at Veritas Risk Management will make sure you know exactly what is covered and what is not covered in your policy.
Other items such as jewelry, coins, firearms and collectible items have limitations in the policy but can be added by providing appraisals and paying a small additional premium.
Our protection team understands the way home insurance works. Let us identify the kind of policy and coverage you need while working hard to provide you with the best value.
Do not let yourself be placed in the position of having to deal with home displacement for an indefinite period of time due to the enormous replacement costs. Loss due to flooding can be very expensive. A rule of thumb is that each inch of flooding will cost the unprotected over $7,000.
Contact Veritas and receive a thorough education on how flood insurance works. We will review what it covers (appliances and items inside the home) and what it does not (decks and items outside the home).