June 2024
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Home Owner Insurance

Home Owner Insurance

Home Owner Insurance from Guaraldi Insurance in Lebanon, New Hampshire

Just like many of you are able to “custom build” your home, we are able to “custom build” a homeowner’s insurance policy to meet all of your needs. A homeowner’s insurance policy doesn’t just protect your house, it protects everything in it, including you and your loved ones.

Homeowners’ policies have two sections of coverage. These are property insurance and liability insurance.

Section one, property insurance, has four main overages.

Home Owner Insurance Coverage A – Dwelling – Is insurance that covers your house and the structures attached to your house.

Home Owner Insurance Coverage B – Other Structures – Provides insurance coverage for buildings on your property that are detached from your house.

Home Owner Insurance Coverage C – Personal Property Insurance – Covers your personal belongings inside your home. This may also include your belongings that are away from your home.

Home Owner Insurance Coverage D – Loss of Use – Provides additional insurance to cover living expenses at the time of a loss. For example, in the event of a fire where the home cannot be occupied, this coverage will pay for the cost of a hotel until the home is in living condition.

Property insurance may protect you and your home from the following hazards:

• Fire and Lightning
• Windstorm and Hail
• Explosions
• Riot and Civil Commotion
• Vandalism and Malicious Mischief
• Aircraft / Vehicles
• Smoke Damage
• Theft On or Off the Property
• Falling Objects
• Weight of Snow or Ice
• Damage by Freezing

Section two covers liability and medical payments.

Home Owner Insurance Coverage E – Personal Liability Insurance – Covers damages the insured is legally obligated to pay. This includes property damage, bodily injury and defense costs.

Home Owner Insurance Coverage F – Medical Payments to Others – covers medical payments to others within three years of an accident caused by an insured or located on the insured’s property.

Optional Coverages:

• Identity Theft
• Water & Sewer Backup
• Ordinance or Law
• Replacement Cost on Contents
• Replacement Cost on Dwelling
• Scheduling High-Value Items

Scheduling High-Value Items: Simply tell your agent what high-value items you have and they may be added (scheduled) on to your homeowner’s insurance policy. If you have many high-value items, an Inland Marine Insurance Policy may provide you the best coverage.

Items to Schedule:

• Jewelry
• Watches
• Guns
• Silverware
• Coins
• Tools
• Cameras
• Furs
• Silverware

Home Safety:

There are a lot of responsibilities that come with owning a home. To help ease your mind, read some of our Home Safety and Prevention Tips.

Guaraldi Insurance in Lebanon, New Hampshire for your Home Owner Insurance needs.

Contact Guaraldi Insurance in Lebanon, New Hampshire at 603-448-3250 or feel free to request a quote online by using our Request An Insurance Quote Form

Insurance - Guaraldi Insurance - Lebanon NH

Guaraldi Insurance     ♦     21 Bank Street     ♦     Lebanon, New Hampshire     ♦     03766     ♦     603-448-3250

Guaraldi Insurance is licensed to sell insurance in ME, MA, NH, and VT.

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