DCInsurers

For many of us our home is our most valuable possession. The time to think about the unthinkable

disaster is before it happens to you. If your home were damaged or destroyed, insurance can help you

repair or rebuild your home and replace damaged possessions.

The main purpose of insurance is to protect you against losses you cannot afford. Few people have the

financial resources to rebuild their homes. In addition to protecting your home and possessions,

homeowners insurance also provides liability coverage to protect you from financial ruin if someone is

injured on your property and sues for damages.

A homeowners insurance policy consists of coverage for your dwelling and your personal property. It

also includes liability insurance which pays for injuries to other people or damages to their property

accidentally caused by you, your family or your pets. You also can buy several types of additional

adding an endorsement or rider to your policy.

for your loss. Since the purpose of insurance is to pay for the losses you cannot afford, raise

your deductible to a limit that you could handle in case of a loss.

discount.

alarms systems and/or sprinkler systems. Monitored systems will earn a bigger discount than

unmonitored systems.

brick, masonry or rock. You may pay a lower premium for hail-resistant roofs, such as those

made of concrete tile, while wood roofs may bring a surcharge. Check the location of the

nearest fire department, and avoid buying in floodprone areas. Non-Smoker Discounts