Truong Inurance

Truong Insurance

Home Policy Coverages

Dwelling Coverage

Additional Endorsements

Other Structures

Deductible

Perils Covered

Personal Property

Policy Limits

Loss of Use

Exclusions

Liability Coverage

Medical Payments

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.

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.

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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.

Deductible

The homeowner would need to pay the deductible amount before the insurance coverage kicks in.

2%

Wind/Hail

1%

All other perils

Policy Limits

CREA

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.

Exclusions!

Be aware that certain events or perils may be excluded. If a claim results from an excluded event, it won't be covered. For instance, flood damage is typically not covered in a standard homeowner policy.

Most common homeowners insurance claims

Theft

Wind/Hail

Fire and Lighting

Vandalism

Liability

Water damage

Miscellaneous property damage

Medical payment

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