Jewelry, collectibles, pictures
Cameras, musical instruments, firearms, money
Washers, dryers, furniture (both home and lawn), lawn decorations, swing sets, clothing, computers and data processing equipment used or intended for use in a business
Lightning, wind or hail, freezing of a plumbing system, weight of ice, snow or sleet
Fire, theft, vandalism, riots, explosion, smoke, aircraft and vehicles
Abrupt and accidental discharge of water from plumbing system, tearing/bulging of heating or cooling systems, artificially generated electrical current
Damage from flood, underground water, earthquakes, mudslides, settling, deterioration, contamination, nuclear hazard, birds, rodents, insects or domestic animals.
Business pursuits or professional services. You will need a business owners policy to cover business pursuits.
Ownership, operation, or maintenance of aircraft, motor vehicles and some watercraft
Our Naples Insurance Experts are here to help.
To determine your amount of homeowners insurance coverage:
We recommend that you purchase an amount of coverage at least equal to the estimated replacement cost. But the choice is yours. Determining your home’s estimated replacement cost is important because this will ultimately determine which policy options are available to you. Since it is impossible to predict today what the exact cost will be to replace your home in the future, it’s important to have enough coverage to account for unforeseen circumstances.
Market value is the amount a buyer would pay for a home, including the land, regardless of how much it would cost to rebuild the home.
Replacement cost for this purpose is the rebuilding cost necessary to replace the entire home.
Replacement cost IS NOT:
Rest easy, the policy provides protection for covered liability claims or lawsuits.
Homeowner’s policies have maximum limits the company will pay for loss to specified types of property (these limits can vary among companies). What’s on a typical “special limits” list?