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Homeowner, Condominium, and Renters Insurance
Recent catastrophes, escalating personal liability judgments, and a rise in identity theft have sparked concern with consumers regarding how their homeowner insurance policy protects them. Most consumers only become aware of the many differences in available protection after a loss has occurred.
Available options most standard policies do not include are:
- Guaranteed Replication Cost – Replacement cost coverage that promises to replicate your home regardless of the cost and with quality materials. Most standard policies cap replacement value and provide builders grade materials.
- Cash Settlement – Gives you the option to rebuild your home on site or take cash settlement.
- Identity theft protection and restoration services
- Unlimited back up of sewer and drain coverage
- Business personal property coverage of $25,000 – most policies provide substantially lower limits of business property on or away from your residence.
- Earthquake Coverage