Home Insurance
A renters policy has very similar coverages and is very affordable. These include:
- Residence
- Other Structures - Garage, workshop, garden, etc
- Personal Property - Money, banknotes, bullion, coins, medals, etc
- Loss of Use/Additional Living Expenses
- Medical Expenses
- Additional Coverages- debris removal, reasonable repairs, damage to trees, etc
To insure your home appropriately, make sure that you have enough coverage to rebuild your home in case it gets destroyed. That means the limit on your policy should be equal to the cost to replace your home. Typically, its 80% of the original value. Please contact your insurance agent or contact us to help you calculate the replacement value.
There are certain exceptions to the coverage on your homeowner's policy viz loss due to flooding, earthquake, sinkhole and certain other perils. Certain areas may qualify for buying additional protection against these perils.
Feel free to email us at info@kelschinsurance.com or call us at 309-652-5940 for further information. For quotes, please fill out the Home Insurance Quote form and one of our representative will be right at your service.