Your home says a lot about you and where you're headed. It's where life unfolds and memories are made. Perhaps you can't imagine living anywhere else. But does your home coverage reflect what really matters to you?
I'm Mark Thomas Newman-Kuzel, and I work with individuals, families, and small businesses in Los Angeles, CA.
I can help you understand your options for insuring your home and everything in it.
Dwelling coverage helps pays for damage to the structure itself caused by sudden, accidental events like fire, wind, lightning, falling objects and vandalism. This is the coverage most homeowners think of first when selecting insurance.
Contents coverage is just that - it covers what's inside your home. I'm talkling about everything from furniture and electronics to pots and pans. If these items are lost or destroyed by a covered event, your policy can help pay to replace them.
The third component of your home policy is liability coverage. It helps protect you from loss in case you're financially responsible for injury to others or damage to their property. This coverage extends beyond your home and in fact follows you anywhere in the world.
Smart Plan Home policies can make it easier for you to protect your home exactly how you want. You decide on one of three home insurance packages, and then make it your own with limits and options of your choosing:
Standard: Gives you coverage with available protection for what matters most to you
Enhanced: Offers extended limits and replacement cost of your home's contents and roof
Premier: Provides guaranteed home replacement cost and the highest limits on personal property