FAQ IN THE EVENT OF A CLAIM

WHAT IF I HAVE A LOSS?

• Regardless of the type of loss, report it to your broker right away. The sooner we are aware of a claim, the better we can help to protect your interest.
• If you have a theft or a vandalism claim, report the loss to the police first.
• If your property is damaged, do what you can to protect it from further damage. Reasonable expenses will be reimbursed.

WHAT IS COVERED IN A PROPERTY POLICY?

Personal Property- most of the normal contents of your home, from toys to electronics, are considered personal property.
Real Property- buildings and land are considered Real Property. A fire in your home can damage both the structure and the contents of our home.
Liability-your responsiblity to other people when they suffer loss or injury due to your negligence. Liability coverage extends to most everyday life situations but does not include, for example, liability resulting from the use of an automobile.

WHAT IS A DEDUCTIBLE?

All property policies incorporate a deductible of some description. Insurance is designed to protect people from losses they cannot afford. Adjusting many very small losses would be very expensive and would unneccessarily increase premiums. Therefore, when you buy a policy, you agree to pay the first portion of any loss. This deductible applies only once per occurrence, regardless of how many items are claimed.