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Home insurance covers you for small losses and the unexpected catastrophe, we offer replacement cost coverage, additional living expenses. premise liability and more If something happens to your home or condo or investment property, such as a fire, wind, hail, lightning, and theft. Are you covered?
Your home and personal property are protected against fire, lightning, frozen pipes, hail and windstorms. Also covered are losses caused by vandalism, theft, and any flooding caused by indoor plumbing,water damage.
In addition to your house (referred to as the “dwelling”), any structures on your property, such as the garage, are covered.
Your contents, personal belongings and electronics inside your home are covered. However, if your personal possessions include jewelry or fine art etc. , you might want to purchase an additional floater coverage for those items.
Premise liability protects you against any hazard on your property that may occur and causes bodily injury to a non household person. If you have guests visiting or a slip and fall from someone on your property you would be covered.
Other structures covered are fencing around your property and detached buildings such as a barn, shed or pool house. Depending on your coverage, other structures might not be covered at 100 percent replacement value.
Should your home become uninhabitable and you are forced to live somewhere else during repairs, this situation is called “loss of use” and is included in most home insurance coverage. Limits for this expense depend on your policy.
Gallagher Insurance and Real Estate
106 Spring Street, West Roxbury, Massachusetts 02132, United States
Copyright © 2022 The Insurance Store, Gallagher Agency Inc.
Bob Gallagher Real Estate
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