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Typical homeowners insurance policies cover most property or liability perils such as fire or lightning, windstorm or hail, freezing of plumbing systems and theft to which the Homeowner is exposed. Coverage includes structure on the property as well as personal possessions in the structure, detached structures and loss of use of your home.
Replacement cost vs. ACV (actual cash value).It is important to insure your home with an amount equal to the replacement cost of repairing or replacing your property. Replacement cost coverage provides payment without depreciation of the damaged portion of the property. Although this Actual Cash Value is not recommended.It may be available for those properties wherein replacement cost is not. This option pays the Homeowner replacement cost minus depreciated value of the damaged portion.
Discounts vary by home, location, home security, construction, updates and year built. Ask us the available discounts on your home today.
Flood is excluded under all Homeowners policies and is available for purchase under a separate Flood Insurance policy available from The National Flood Insurance program through our office.
Call LP Insurance for all your insurance needs.
Insurance allows consumers and businesses the ability to protect themselves and their possessions from the risk of loss. The concept is simple, but theremany options to consider when taking out an insurance policy. Typically the annual payment is a fraction of the cost to replace the item being insured (namely your home), there are many differences in the premiums across insurance providers. Here are six tips to consider as you investigate options for your home insurance:
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