You've worked hard to build a successful career and provide for your family. Make sure your home and treasured belongings are properly protected.
As an independent broker, HUB International can help you make informed decisions about your homeowner's insurance options. We offer a wide range of solutions and coverage options from leading insurance companies in North America. We work with you to tailor a homeowner's insurance policy that meets your needs.
Issues a HUB advisor will help you consider:
Reconstruction value of your home
Extended replacement cost coverage can ensure that your home will be rebuilt to the same standards as the original construction. This includes quality of materials and craftsmanship. Your house should not only look the same after a covered loss, but, as closely as possible, be the same.
Personal property coverage
Replacement Cost Coverage ensures that your personal property will be replaced after a covered loss,without deductions for depreciation. You should also have "all risks" coverage for your personal property, so that your belongings are covered for a wider array of perils than most standard policies allow. You should list expensive items, such as jewelry or fine art, separately.
Personal Liability Insurance
Personal liability is a part of your homeowners policy, and it is important to choose the appropriate coverage limit. In today's litigious environment, you want to be sure that your assets are protected in the event of a lawsuit.
Coverage for fences, pools, barns, and other structures
Most homeowner policies include only a minimum coverage amount for damage to fences, pools, detached garages and other structures that are not attached to the main house. Are you sure you have enough coverage to fully replace these items?
Older Home Coverage
Certain coverage features do not come standard with all insurance policies, especially with older homes. At HUB International, we offer insurance options designed exclusively for old homes including:
- Guaranteed replacement cost coverage: Coverage of the full cost of restoring your home to its original quality, even if that value exceeds the coverage amount on your homeowner policy.
- Ordinance or law coverage: Coverage for the cost of bringing your home up to code in the event of a partial or total loss.
- Assistance in determining replacement value: A simple "room estimator" does not begin to account for the unique features in older homes. Your HUB specialist can help you determine your home's true replacement needs.
Contact a HUB advisor today. To locate an office near you, click here.