O'Briend RJ Insurance Agency

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Home Owners Home Owners Insurance Chances are your home is your single most valuable investment. Homeowners insurance is a "package" policy that covers both property tructures and personal possessions nd liability. Because it is comprehensive, your homeowners insurance policy may include coverage you are not even aware of. If your luggage is stolen from a motel room while you are a thousand miles away from home, for example, you will of course want to notify the police. You will also want to check with your insurance Trusted Choice agent about coverage for loss under your homeowners policy. And if your house burns down leaving you without a place to stay, your policy provides living expenses as well as reimbursement for damaged property. Your Trusted Choice insurance agent can explain your policy in detail. To get you started, this guide outlines the key areas of coverage as well as any exclusions or limits that might apply. More than any other line of coverage, homeowners insurance is substantially standardized throughout the U.S. The questions and answers in this guide are based on the most commonly purchased homeowners insurance policy ( called HO3 in the industry ) offering the widest protection. You may be interested in knowing that claims can consume 80 cents or more of every premium dollar ( the exact amount varies from year to year ). The rest of that dollar goes to taxes, marketing and administrative costs, dividends and profits. It is in your best interests to be aware now of your protection so that you may select the insurance that best meets your needs.