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Wednesday, March 10, 2010 |
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The time is now to review your Life Insurance.
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Homeowner Insurance Hume Insurance Agency Property Your house and separate structures are covered for almost any type of damage except for a few common exclusions listed in the policy, such as wear and tear, earth movement, flood, nuclear hazard and earthquake. Your house and attached structures, including wall-to-wall carpeting, are covered up to 125 percent of the limit you select in most states. Separate structures on your property, such as detached garage or tool shed, are covered up to 10 percent of the amount of coverage on your home. Separate structures used for business purposes are not covered here but may be insured for additional purposes. Personal Property Your personal property, located anywhere in the world. While your house is covered for most types of damages, your personal property is covered only for damages resulting from the following:
Liability Pays for bodily injuries to other people, or damage to their property, if you are liable, resulting from:
Additional Coverage's Emergency First Aid pays expenses you incur for necessary medical aid to other people at the time of an accident covered by the policy. Damage to Property of Others pays up to $500 for damage to property of others caused by your qualified family member when you are not legally liable. Expenses Pays expenses in a suit we defend on your behalf, such as court costs, attorney fees, investigator fees, expense of witnesses, and witness fees. Also, pays reasonable, expenses you incur at Farmers' request, including up to $60 a day for actual loss of wages. In addition, Expensive Coverage also pays the premium on appeal bonds, and bonds to release attachments. |
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