Before you buy an insurance policy:

(1) Have a home inventory list completed with written documentation and photographic or video images of your property and assets for your insurance
agent to keep on file. Make a backup copy for your self.

(2) Take notes while the agent is explaining the proposed coverage’s and save them
for future reference.

(3) Read the proposed policy and understand the key terms
(Deductibles, Exclusions, Limitations)

(4) Complete the application form honestly and thoroughly

When you have a claim:

(1) Review your policy and notes. You may be covered for debris removal & living expenses

(2) Promptly notify your insurance agent of the loss

(3) Do not make permanent repairs before the insurance adjuster inspects your home.

(4) Keep a log of all correspondence with the insurance company agents

(5) Provide evidence to prove your claim

(6) Make copies of all documentation forwarded to your insurance company

(7) Get your own estimate of the loss

(8) Do not submit to an examination under oath without legal counsel

(9) Do not sign a check or a release until you are satisfied it is fair

Homeowners’ policies set specific dollar limits for certain categories such as Jewelry, firearms, and furs.
These items are susceptible to theft.

There is no standard coverage for artwork (Your policy may vary).
You may wish to purchase a separate coverage if the value exceeds 50% of your dwelling.