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Transcript
Truong Insurance
Home Policy Coverages
Medical Payments
Additional Endorsements
Dwelling Coverage
Liability Coverage
Deductible
Other Structures
Exclusions
Loss of Use
Policy Limits
Personal Property
Perils Covered
Dwelling Coverage
This covers the main structure of your home. Examples of claims include: -Fire damage to your house. -Roof damage from a severe storm. -Structural damage due to a burst pipe.
Mes, 202X
Other Structures
This covers structures not attached to your home. Examples of claims include: -Damage to a detached garage from a fallen tree. -Vandalism of a backyard shed. -A fence damaged by a vehicle.
+ Info
Personal Property
This covers your belongings inside and outside your home. Examples of claims include: -Theft of jewelry during a break-in. -Damage to electronics from a power surge. -Loss of furniture in a fire.
Additional Endorsements
These can vary widely but typically provide additional coverage for specific situations. Examples of claims depend on the endorsement. For example: -A jewelry endorsement covers the theft of an expensive engagement ring. -An earthquake endorsement pays for damage caused by an earthquake.
The homeowner would need to pay the deductible amount before the insurance coverage kicks in.
Deductible
1%
Wind/Hail
All other perils
2%
CREA
Policy Limits
The coverage amount for each type of claim is subject to policy limits. For example, if your personal property coverage limit is $50,000, you can claim up to that amount for losses.