• Dwelling & Personal Property  
• Personal Liability  
• Medical Payments to Others
• Additional Living Expenses

Basic Coverages Included in Homeowner's Policies

Property Damage Coverage

• "Property Damage" coverage is designed to help pay for damage to your home and personal property
  

• "Other Structures" coverage will help protect your detached garage, tool shed, and other unattached structures. Generally, the coverage is 10% of the amount for which your home is insured.
  

• "Personal Property" coverage helps pay for a loss of your personal possessions, such as clothing, furniture, TV, stereo and other unattached personal items. You may want to review this coverage with us, to make sure you are adequately protected in this area.

Personal Property Floater

• A homeowner's insurance policy normally provides limited coverage for collectibles, jewelry, furs, etc. It may be necessary to insure your valuables with a Personal Property Floater. A Personal Property Floater itemizes each item, gives a description of the item insured, and lists excluded perils. It normally provides coverage that is broader than the coverage in your standard homeowners insurance policy. Please ask us if you need an evaluation of your risk in this area.

Personal Liability Coverage

• Your homeowners policy provides Personal Liability coverage to help protect you against a non-auto claim in which you were at fault. Liability coverage in your policy covers both the cost of defending you and damages the court orders you must pay. Liability insurance does not have a deductible that you must meet before the insurer begins to pay losses. We can review your current limits of coverage, and help make sure you have enough protection in this area.

Medical Payments Coverage

• Medical Payments coverage is designed to pay for an injury to someone OUTSIDE your family. It can often help settle "small" injuries outside of court before they become BIG claims in court. This is not medical coverage for your and your family

Additional Living Expenses

• Where will you live if your home is badly damaged?
  If move into a hotel or apartment for awhile because of damage caused by a covered loss, your homeowners policy will normally cover the stay, subject to policy limits
  

Condo & Townhome
To adequately insure your condo or townhome, it is important to know which parts of your dwelling are covered by the association and which are not.

We can help you read your association's bylaws and determine exactly what you need to insure!
To adequately insure your condo or townhome, it is important to know which parts of your dwelling are covered by the association and which are not.Sometimes, however, the association is only responsible for insuring the bare floor, ceiling and walls. You must insure everything else.

Ask us for help
we will be happy to sit down and do a careful review with you to make sure you have no "gaps" between policies

RENTERS INSURANCE
Even if you rent your home, it’s important that you have the protection of insurance. Your personal property needs to be secure even when someone else owns the structure in which you live

Personal Property
Your Renters Insurance policy can help replace your personal belongings in the event of a covered loss. Most coverages will protect your personal property in the event of:

• FIRE AND LIGHTNING
• WINDSTORM AND HAIL
• EXPLOSION
• RIOT AND CIVIL COMMOTION
• AIRCRAFT
• VEHICLES
• SMOKE
• VANDALISM AND MALICIOUS MISCHIEF
• THEFT AT RESIDENCE
• FALLING OBJECTS
• WEIGHT OF ICE AND SNOW
• GLASS BREAKAGE
• ACCIDENTAL OVERFLOW OF WATER FROM PLUMBING
• ACCIDENTAL ELECTRICAL DAMAGE TO APPLIANCES

Loss of use
Your Renters Insurance policy can pay the additional costs of living in hotels, eating in restaurants, etc., while you are out of your home due to a covered loss.

Personal Liability coverage
This coverage gives you liability protection against claims caused by almost any unintentional act, and will help pay legal expenses to defend such a claim.

Personal Articles floater
This extends coverage for your valuable articles, such as jewelry, furs or collectibles, when their value is higher than the limits stated in your policy

Contents Replacement Cost
This option extends the coverage on your personal property to include the ACTUAL cost of repair or replacement without deduction for the depreciation. There are, of course, policy limits, so ask us for details

Contact us for Home Insurance
Office : 972-236-2066 Mobile : 214-682-6668 Fax : 214-317-4793 Toll Free:1-888-Rozmeen