Stability for Your Home.
Your home is your sanctuary. It’s a dependable shelter that keeps you and your family safe, and it’s the place where memories are made. For most people, a house represents the biggest financial and emotional investment they’ll ever make.
Stability for Your Home.
Your home is your sanctuary. It’s a dependable shelter that keeps you and your family safe, and it’s the place where memories are made. For most people, a house represents the biggest financial and emotional investment they’ll ever make.
Every Home Insurance policy is different, and at Heyer Spear Insurance, Inc., we’ll work with you to make sure that your policy fits the needs of yourself and your family. Property Insurance may insure your home from the following types of damage:
- Fire and Lightning
- Collisions from Vehicles or Aircraft
- Hail
- Sewer/Drain Backup
- Windstorm
- Vandalism
- Volcanic Eruption
- Smoke
- Freezing Conditions or Snow
There are many additional coverage types that are available to safeguard your home and belongings, and it’s important to talk with a representative from Heyer Spear Insurance, Inc. who can help you find the right policy.
Options such as Personal Property Insurance and Flood or Earthquake Insurance may not fall under a standard Homeowners policy. In the event of an accident or theft, Personal Property can pay the actual cash value (ACV) or replacement cost of personal content items or articles like furniture, appliances, and clothing.
Other items that may be included are Builder’s Risk while your home is being built or reconstructed, and insurance for damage to pertinent/detached structures.
Another important feature to consider in your Homeowners policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.
Every Home Insurance policy is different, and at Heyer Spear Insurance, Inc., we’ll work with you to make sure that your policy fits the needs of yourself and your family. Property Insurance may insure your home from the following types of damage:
- Fire and Lightning
- Collisions from Vehicles or Aircraft
- Hail
- Sewer/Drain Backup
- Windstorm
- Vandalism
- Volcanic Eruption
- Smoke
- Freezing Conditions or Snow
There are many additional coverage types that are available to safeguard your home and belongings, and it’s important to talk with a representative from Heyer Spear Insurance, Inc. who can help you find the right policy.
Options such as Personal Property Insurance and Flood or Earthquake Insurance may not fall under a standard Homeowners policy. In the event of an accident or theft, Personal Property can pay the actual cash value (ACV) or replacement cost of personal content items or articles like furniture, appliances, and clothing.
Other items that may be included are Builder’s Risk while your home is being built or reconstructed, and insurance for damage to pertinent/detached structures.
Another important feature to consider in your Homeowners policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.
Scheduled Property Insurance
The Personal Property Insurance of your Homeowners policy will protect your valuables up to a certain amount, but may not cover many of your most prized possessions. Scheduled Personal Property (SPP) Insurance enhances your current Homeowners or Renters policy to include items of exceptional value such as jewelry, cameras, artwork, golf equipment, firearms, musical instruments, fine silverware, collectibles, and more. If one of your personal items is damaged or stolen due to a covered incident, your policy will help pay for the expense of a repair or replacement.
Scheduled Property Insurance
The Personal Property Insurance of your Homeowners policy will protect your valuables up to a certain amount, but may not cover many of your most prized possessions. Scheduled Personal Property (SPP) Insurance enhances your current Homeowners or Renters policy to include items of exceptional value such as jewelry, cameras, artwork, golf equipment, firearms, musical instruments, fine silverware, collectibles, and more. If one of your personal items is damaged or stolen due to a covered incident, your policy will help pay for the expense of a repair or replacement.
