HOMEOWNER INSURANCE

You have worked hard to build and establish your home with its unique qualities. It is important to properly insure your home. We at Atlantic Advisers Insurance can assist you in establishing proper amounts of insurance.  Some other things to consider in your insurance are:

Guaranteed Dwelling Replacement Cost Coverage
Dwelling  Replacement Cost coverage provides you the guarantee that your home will be rebuilt to the same levels of finish as the original construction. Materials and craftsmanship can vary greatly, and you want your home to look the same after a covered loss.

Personal property coverage
Replacement Cost Coverage gives you assurance that your personal property will be replaced after a covered loss without deductions for depreciation. You can also choose to broaden your coverage to provide "all risks" coverage for your personal property. Expensive or collectible items, such as jewelry or fine art should be insured  separately.

Personal liability insurance
Personal liability  for claims brought against you is included in your homeowners policy. Proper limits of insurance are important to provide you adequate protection.

Other Structure Coverage for fences, pools, barns, and other structures
Your homeowner policies include only a minimum coverage amount for damage to fences, pools, detached garages and other structures that are not attached to the main house. Coverage is generally provided on an actual cash value basis and not replacement cost. Review these limits to make certain you can replace these structures.

Flood and earthquake insurance
Most homeowners policies do not cover flood or earthquake damage without broadening endorsements or purchasing separate coverage. You should consider whether you need protection against these types of losses.

Antique or Classic Home Coverage
We coverage to address the needs of properly insuring older and antique homes to insure features not included in basic homeowner insurance policies. Our underwriters are have the training and understands the complexities of insuring older homes. An important coverage to consider adding is Ordinance or law coverage. This provides a limit of insurance for the cost of bringing your home up to code in the event of a partial or total loss.