Your home is probably your most valuable asset. For this reason, you should have a homeowner policy that gives you the protection you need at the best possible price.

Home Replacement Guarantee
Covers the full cost of repairing your home damaged in a covered incident even if the cost exceeds your policy limits, provided your home is insured for 100% of its replacement value.
Replacement Cost- to replace of like, kind, and quality.
Actual Cash Value- replacement cost less depreciation.

Full Value Contents
If you experience a covered loss in which an item is destroyed or stolen, your policy will pay to replace the item up to the limits stated within the policy and less your selected deductible. The difference beween replacement cost and the actual cash value can be considerable.

Deductibles
The all other peril deductible is for causes of loss including fire, theft, lightning, water backup and vandalism. You will be covered to you policy limits less the deductible for these losses. Every policy is different, so please check your policy for the exclusions and conditions of your coverage.

Wind/Hurricane usually requires a separate deductible, and is most likely a percentage of your dwelling value. The most common Wind/Hurricane deductibles are 2% and 5%. Please check your policy for specifications.

• Hurricane Shutters/Impact Glass
• Concrete Block Home
• Hip Roof
• Centrally Monitored Alarms
• Newer Home
• Higher Deductibles