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Insurance Products
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Home
Insurance |
Whether you
rent or own your home, you've got a wide range of property insurance
products and coverages to choose from at The Russell Agency.
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First
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Understand
which coverage elements are common among all property
insurance policies:
- Personal
Property. To protect movable personal property, mostly
within your home. Certain coverage limits apply.
- Family
Liability Protection. To pay for covered damages which
you're legally obligated to pay.
- Guest
Medical Protection. To pay medical expenses for your
guests who are accidentally injured on your property
as a result of a covered loss.
- Additional
Living Expenses. To pay the reasonable increase in
living expenses if your home becomes uninhabitable
after a covered loss.
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Second
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Consider
which policy is right for your living situation:
- House
- Condominium
- Mobile
Home
- Renter
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Third
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Personalize
your policy with additional coverages such as:
- Replacement
Cost Coverage. For many of your contents (subject
to applicable underlying policy coverage limits).
- Scheduled
Personal Property Coverage. With increased protection
for your personal property including, but not limited
to: jewelry, watches, furs, stamp and coin collections,
fine arts, computers, cameras and sports equipment.
- Increased
Building Code Coverage. For example, if your home
is damaged or destroyed you'd need protection to bring
it up to today's code standards as it is repaired.
- Portable
Cellular Communication Systems Coverage.
- Satellite
Dish Antennas Coverage.
- And
many more! See your agent for more information on
the Optional Coverages available in your state.
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Finally |
Since
most Homeowners, Condominium, Mobile Home, or Renters
Insurance Policies don't cover a flood, find out if you're
eligible for a Flood Insurance Policy. |
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1.
Homeowners Insurance |
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You
might be making the move from renting to buying, building
a new home or moving to a new neighborhood. In any case,
you'll make a lot of important buying decisions about
your new home along the way
price, location, features
just to name a few. You'll also need to make some decisions
about insurance. And when you do, here are a few things
you might consider...
Your Home
- How
much would it cost to rebuild my home at today's prices?
- How
can I make my home safer and possibly save money?
- Should
I purchase flood insurance?
Your
Property
- What
would it cost to replace the contents of my home?
- Do
I have an inventory and photographs of my personal
possessions?
You
and Your Guests
- What
kind of protection do I have against liability claims?
- Will
my guests' medical expenses be covered if they're
accidentally injured on my property?
Your
Coverages
- How
can I personalize my policy with extended coverage
on computers, silverware, jewelry and more?
- How
often should I reevaluate my coverages?
- How
much should my deductible be?
- Do
I need or have reimbursement for additional living
expenses if I can't live in my home due to a covered
loss?
- I'm
building my home, are there additional coverages available
during the course of construction?
Take
the first step into homeownership by understanding your
coverage options.
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2.
Condominium Insurance |
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Owning
a condo puts you in a unique position. Unique because
you have both common and individual insurance needs. Odds
are, your condominium association has an insurance policy
for common areas, like the building exterior and walkways.
You're still responsible for insuring your interests such
as your personal property, yourself from liability and
your guest's medical protection.
Some things to consider when shopping for condo insurance:
Your Association
- How
do I know how much coverage my association carries?
- Are
there parts of the building or property they don't
insure?
- What
are my insurance responsibilities?
Your
Home
- How
much would it cost to repair the inside of my home
if it were damaged?
- How
can I make my home safer and possibly save money?
- Should
I purchase flood insurance?
Your
Property
- What
would it cost to replace the contents of my home?
- Do
I have an inventory and photographs of my personal
possessions?
You
and Your Guests
- What
kind protection do I have against liability claims?
- Will
my guests' medical expenses be covered if they are
accidentally injured on my property?
Your
Coverages
- What
additional protection can I get for special assessments
- What
additional protection can I purchase for my personal
property such as: jewelry, electronic equipment, cellular
phones and other special items?
- How
often should I reevaluate my coverages?
- Do
I need or have reimbursement for additional living
expenses if I can't live in my home due to loss?
- I'm
getting married, can I get additional protection to
cover wedding presents and other personal property
I receive.
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3.
Renters Insurance |
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You
might think, "Why do I need insurance, I'm renting?"
Well, even though your landlord probably has an insurance
policy on your building, you'll need to protect your personal
interests too. And
it only costs a little to protect
a lot. Renter's insurance is less costly than you might
think.
Things to consider:
Your Property
- What
would it cost to replace the contents in my home?
- Do
I have an inventory and photographs of my personal
possessions?
- Should
I purchase flood insurance?
You
and Your Guests
- What
kind of protection do I have against liability?
- Will
my guest's medical expenses be covered if they are
accidentally injured in my home?
Your
Coverages
- What
additional coverages are available for my personal
property such as: sports equipment, electronic data
processing equipment, jewelry or other valuables?
- I'm
getting married; can I get additional protections
to cover wedding presents and other personal property
I receive?
Your
Money
- Can
I save money if I have my auto insurance with the
same company?
- How
can I make my home safer and possibly save money?
Don't
wait another day to get renters insurance...See what coverage
options and discounts may be available too! |
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with questions or comments. Designed by InfoSmart
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