Homeowners
Homeowners insurance (HO3) is a package insurance policy that combines coverage for: the physical structure of the home; unattached appurtenant structures on the property lot; personal property within the home and away from the premises; additional living expenses in the event the home is damaged; bodily injury and property damage for which the insured is legally liable; and, no fault medical payments to others as a result of the insured's activities.
The insured is the owner of the home, his or her spouse and any residents of their household that are relatives of the insured.
We highly recommend that individuals purchase replacement cost coverage for both their dwelling and their contents, and consider scheduling high value items such as jewelry, fine arts and collectibles.
We also recommend that our clients prepare, maintain and continually update an inventory worksheet to document their personal property - anything and everything in your home that is not permanently attached to the dwelling. In addition, we encourage our clients to photograph or videotape their valuables, and retain their sales receipts. In the event of a loss, this information will ensure that your claim is settled promptly and fairly, with a minimum amount of effort on your part.
For more information on documenting your valuables, completing a personal property inventory worksheet or scheduling high value items, please contact our office.
You may be interested in these policies also offered by First American:
Personal Insurance
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