● Deductible

When damage occurs to your home, personal belongings or

separate structures on your property, any claim settlement that is made is subject to a deductible.

 

For example, let’s assume your policy has a $500 deductible and a fire damages your home. If the actual cash value repair cost were, say $20,000, the insurance policy would pay $19,500 for your claim. 

 

 

● Liability

In the event someone is injured on your property and you are found responsible, your policy offers protection. If a lawsuit is brought as a result of the injury, cost of defense is also included.

 

 

 

 

 

 

 

 

 

● Coverage descriptions provided are general in nature only. Any description provided here does not amend, alter or modify the terms of your insurance contract. Be sure to read your policy for further definitions, limitations and exclusions.

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