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房屋保险

保障你最大的资产.

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你的房子是你最大的资产之一. That’s why it’s important to do everything you can to protect it. 我们将帮助您为意想不到的事情做好计划,为您的家庭提供最合适的保险.

购买家庭所需的保险.

家是你生活的中心. 这也是你最大的投资. So make sure you cover the unique risks you face with home insurance. Get the right policy that will take care of both small and large risks related to owning a home.

你的家面临哪些风险?

想象一下如果你的房子着火了. Not only would you lose your home, but you’d also be burdened financially and emotionally. 没有足够的家庭保险, you would be left with no way of raising the funds to pay off the balance of the mortgage. 当然, home insurance may also protect you from more common things like pipe leaks and property damage. 因为即使是小问题也会积少成多, and having comprehensive coverage helps you protect your biggest investment.

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  • 点击热点.
  • 发现你的风险.
  • 选择合适的保险范围.
首页
风险因素

大多数火灾都是毁灭性的. Besides the emotional impact, the physical damage to your home can be significant. 如果你的房子在火灾中失去了,你有足够的保险来替换你的房子和里面的东西吗? 还记得, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.

解决方案

Make sure your homeowners policy contains replacement cost coverage with no cap. 如果重建房屋的费用高于你目前的保险限额,这将保护你. And, be sure that your insurance includes rebuilding your home to code. 通常,地方法规和建筑规范会随着时间的推移而改变,这可能需要额外的成本.

个人财产/内容-财产损坏
风险因素

When your home suffers damage due to an unexpected event, your personal property is also at risk. 家具, 电器, 服装, 电子产品, and other personal items can also be damaged or destroyed.

解决方案

Your homeowners insurance policy typically covers personal property, 包括您家中的物品和您或与您同住的家庭成员拥有的其他个人物品. 确保你的房主政策包括个人财产的重置费用保险,这样你就能得到更换任何损坏物品的全部费用.

额外生活费用/失去使用
风险因素

When there is substantial damage to your home due to unexpected events such as lightning, 火, 或是暴风雨, 在你的房子修复或重建之前,你可能无法住在你的房子里——这可能会产生额外的住宿生活费用, 食物, 以及其他日常需要.

解决方案

确保你的房主保险政策提供额外的生活费用或使用损失保险,以补偿你在合理的住房和生活费用中产生的额外费用,如果一个保险事件使你的房子在修理或重建期间暂时无法居住.

宝贵的财产
风险因素

通常, there is a sublimit on homeowner insurance policies for valuable possessions, 比如珠宝, 皮草, 美术, 和其他收藏品.

解决方案

购买一个个人漂浮物或安排你的贵重物品,以确保你有足够的钱来更换它们.

医疗费用
风险因素

如果客人在你的房子里受伤, 即使是因为一场棒球友谊赛, you may be required to pay any medical expenses associated with their injury.

解决方案

你的房主政策应该包括医疗费用,以照顾受伤和治疗-通常不是严重的性质. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.

个人责任
风险因素

In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.

解决方案

您的房主政策包括个人责任保险,以应对发生在您可能被视为疏忽的第三方的伤害或损害事件. 然而, 您应该考虑购买个人保护伞或超额责任保险,以提供额外的保险范围,以保护您的资产,以防对您提起诉讼.

各种各样的保险
风险因素

在后院放蹦床带来的乐趣也可能伴随着严重的风险, 由于保险范围因州和保险公司的不同而不同,您的标准房主保险政策可能不包括哪些.

解决方案

You should make sure your homeowners insurance policy covers your trampoline, 由于许多保险公司拒绝承担蹦床责任,并将该项目排除在保险范围之外.

人身伤害/诽谤
风险因素

年轻人通常在网上非常活跃. 然而, 使用社交媒体和其他网站会增加他们直接或间接损害他人声誉和暴露你的可能性, 父, 打一场官司.

解决方案

你的房主保险政策包括家庭中任何成员造成的财产损失的责任保险, but likely does not cover rumors or statements that damage a reputation. 你可能需要寻求额外的保险范围,包括人身伤害或诽谤的责任保护.

保护伞/超额责任保险
风险因素

你邀请客人来参加泳池派对,其中一位客人跳入泳池的浅水区,受到了永久性的伤害. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. 你有足够的积蓄来支付你的法律责任和法律辩护费用吗?

解决方案

保护伞或超额责任保险通过在你现有的汽车上增加保护来增加你的个人责任限额, 船, or homeowners policies-providing financial value and security. 超额责任保险可以通过您的房主政策背书或作为单独的保险.

洪水覆盖
风险因素

You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. 你的家有危险吗?

解决方案

购买洪水保险,以保护您的房屋和承保物品免受国家洪水保险计划指定的某些类型的洪水损失. 洪水保险是通过联邦计划(NFIP)作为单独的保险购买的,也可以通过被称为“自行承保”的保险公司购买.

二次回家
风险因素

Owning a secondary home has the potential of increasing your liability exposures.

解决方案

确保你在你的房主政策下扩大责任范围,包括你的第二套房. 你亦应考虑将第二居所纳入超额责任或总括性保险,以提供额外的责任限额.

收集器的汽车
风险因素

收藏家或经典车辆通常具有重要价值,需要特殊的文件和独特的保险范围,以确保它们得到充分的保护. Even if stored on your property, they are typically not covered under your homeowners insurance.

解决方案

为你的收藏车投保,找一家专门的保险公司,该公司关注并了解收藏车或经典车和其他车辆的独特性质.

葡萄酒收藏
风险因素

如果你是葡萄酒鉴赏家, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. 然而, 损害只有在你的房主政策中列出的损失原因中才可投保. 免赔额也适用.

解决方案

如果你有大量的葡萄酒收藏, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.

水的破坏
风险因素

Whether entering from outside your home from a flood or from within your home’s plumbing system, water damage is the most common cause of loss to a home. Many policies exclude losses caused by backup of sewers and drains, and all unendorsed homeowner policies exclude damage caused by a flood.

解决方案

Careful review is essential to protect your home and belongings from all sources of water damage. 我们建议保险公司提供包括下水道和排水管备份在内的保险解决方案. Also, identify cost efficient solutions to address the risk of flood damage in the first place.

远程盗窃
风险因素

令人惊讶的是, standard auto insurance does not cover personal property or contents stolen from your car.

解决方案

Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.

保护你的家从正确的保险开始.

Finding the right coverage for your unique needs can seem overwhelming. 我们通过制定一项保险政策,让您以合适的价格为您的房子提供适当的保险,使事情变得简单.

每个家庭都是不同的,你的覆盖范围也应该是不同的.

家庭保险政策涵盖了一系列适合您家庭和生活方式需求的选择. When reviewing your home insurance options, consider the following coverages:

  • 个人财产/内容
  • 财产损失
  • 额外生活费/
    失去使用
  • 珠宝、美术 & 收藏品
  • 医疗费用
  • 个人责任
  • 各种各样的保险
  • 人身伤害
  • 超额责任保险
  • 洪水覆盖
  • 二次回家
  • 具有收藏价值的汽车
  • 葡萄酒收藏
  • 水备用
  • 楼宇外盗窃
你有合适的家庭保险吗?

你目前的家庭保险是否涵盖了你的所有需求? 很有可能,它不会. 作为你的保险顾问, 我们将与您一起确定您的家庭面临的风险,并根据您的具体需求定制您的保险范围. Because whether you live in a one-story house or a mansion, it’s the place you call home. And your home deserves to be covered with insurance that’s more than the bare minimum.

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