HOMEOWNERS INSURANCE
Owning a home is one of the most rewarding and comforting choices in your life, so why not protect it? Your
home needs the best coverage available. You have worked hard to make an investment and provide your
family with the place you know as your home.
Take a few minutes and let us help you review your Homeowners insurance. Not only will we help you review
the coverage on your dwelling, we will evaluate the additional coverages available through your
Homeowners policy in order to assist you in making the right choice for you and your family.
Are you properly covered?
"Dwelling Coverage" is based on the reconstruction cost, or the cost to rebuild your
home in the event of a total loss.
- Reconstruction cost varies from home to home depending on craftsmanship and/or how
customized your home is.
"Property Damage" coverage is a broad term combining Dwelling Coverage & Personal Property Coverage.
Property Damage coverage is designed to help pay for damages and/or loss to your home and personal
property.
"Personal Property" coverage is usually derived as a percentage of your Dwelling Coverage, typically
in the 50% to 75% range.
- Example: -DWELLING Coverage - $300,000
-PERSONAL PROPERTY Coverage - $210,000 or (70% of Dwelling Coverage)
"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.
If you need additional coverage for higher valued items, please ask us.
"Personal Liability"
Your homeowners policy will provide “Personal Liability” coverage.
This coverage is often overlooked, but very important. Personal Liability coverage pays for bodily
injury or property damage to others, in which you were at fault, in a non-auto claim. This coverage is
designed to help protect you against litigation. The Liability coverage in your policy covers both the cost of
defending you and damages the court orders you must pay. The Liability portion of your homeowners
insurance does not have a deductible that you must meet before the insurer begins to pay losses.
We can review your current liability limits, and help to make sure that you your family have enough coverage
to protect your assets.
"Loss of Use"
This coverage is included in your homeowners policy and is based upon a percentage of the replacement
cost value of your home. Loss of use covers additional living expenses if your home is unfit to live in due to a
covered loss.
"Medical Payments"
Medical Payments coverage, or “Medical Expenses to Others” is designed to pay for an injury to someone
other than members of your family injured at your home. This coverage will often help settle "small" injuries
outside of court before they become major litigations.
These are just some of the coverage you will find in any good homeowners policy.
FARMERS offers one of the most comprehensive Homeowners Policies
in the market. Many additional coverages like Identity Theft, Extended
Replacement, Building Ordinance,and more are included in our
policy at no additional cost.
Are you getting the most for your insurance dollar?
CALL US TO FIND OUT!
Owning a home is one of the most rewarding and comforting choices in your life, so why not protect it? Your
home needs the best coverage available. You have worked hard to make an investment and provide your
family with the place you know as your home.
Take a few minutes and let us help you review your Homeowners insurance. Not only will we help you review
the coverage on your dwelling, we will evaluate the additional coverages available through your
Homeowners policy in order to assist you in making the right choice for you and your family.
Are you properly covered?
"Dwelling Coverage" is based on the reconstruction cost, or the cost to rebuild your
home in the event of a total loss.
- Reconstruction cost varies from home to home depending on craftsmanship and/or how
customized your home is.
"Property Damage" coverage is a broad term combining Dwelling Coverage & Personal Property Coverage.
Property Damage coverage is designed to help pay for damages and/or loss to your home and personal
property.
"Personal Property" coverage is usually derived as a percentage of your Dwelling Coverage, typically
in the 50% to 75% range.
- Example: -DWELLING Coverage - $300,000
-PERSONAL PROPERTY Coverage - $210,000 or (70% of Dwelling Coverage)
"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.
If you need additional coverage for higher valued items, please ask us.
"Personal Liability"
Your homeowners policy will provide “Personal Liability” coverage.
This coverage is often overlooked, but very important. Personal Liability coverage pays for bodily
injury or property damage to others, in which you were at fault, in a non-auto claim. This coverage is
designed to help protect you against litigation. The Liability coverage in your policy covers both the cost of
defending you and damages the court orders you must pay. The Liability portion of your homeowners
insurance does not have a deductible that you must meet before the insurer begins to pay losses.
We can review your current liability limits, and help to make sure that you your family have enough coverage
to protect your assets.
"Loss of Use"
This coverage is included in your homeowners policy and is based upon a percentage of the replacement
cost value of your home. Loss of use covers additional living expenses if your home is unfit to live in due to a
covered loss.
"Medical Payments"
Medical Payments coverage, or “Medical Expenses to Others” is designed to pay for an injury to someone
other than members of your family injured at your home. This coverage will often help settle "small" injuries
outside of court before they become major litigations.
These are just some of the coverage you will find in any good homeowners policy.
FARMERS offers one of the most comprehensive Homeowners Policies
in the market. Many additional coverages like Identity Theft, Extended
Replacement, Building Ordinance,and more are included in our
policy at no additional cost.
Are you getting the most for your insurance dollar?
CALL US TO FIND OUT!
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LANGER INSURANCE
Proud Member of:
"Peace of Mind for All
of Your Insurance Needs"
of Your Insurance Needs"
Toll Free: (866) 728-6425 Fax: (661) 999-6666
LANGER INSURANCE