If Tragedy Strikes - Is Your Home Insured? Homeowners and Renters Coverage Protects You From: A Record Worth Keeping - You can get more from a claim by keeping a complete record of your belongings. Compile a complete record of your belongings. Compile a home inventory. It should include: Written descriptions of all household possessions. Describe when and where purchased and for how much. Keep sales and credit card receipts and canceled checks. List your possessions by room. Include basement, porch, garage and yard. Makes and model numbers of appliances. Color photos of your possessions. Consider video or instant photos. Homeowners Insurance Your home is the biggest investment you will ever make; this is protection you cannot be without! What would happen if your most valuable asset and investment, your home and personal possessions, were damaged or destroyed by a fire or other covered hazard? Could you afford to rebuild your home? Would you be able to replace all the possessions that were lost? Where would your family stay during the rebuilding process - how would you pay for the extra living expenses? We want to make sure you are protected in your time of need. Our Homeowners Policy will protect: Your home and other buildings on your property. Your furniture, appliances, clothing and other belongings. You and your family from liability claims. Replacement Cost Guarantee - At no additional charge, most of our homeowners policies include coverage for the full cost of repairs with no deduction for age or depreciation of your home. You must maintain coverage 80% to 90% of the replacement value of your home at all times. Optional Coverage provides enhancements like contents replacement cost coverage which pays the full, un-depreciated cost of replacing or repairing lost or damaged property. Additional Living Expenses will be paid for necessities such as hotel accommodations, meals and laundry if your home is damaged and you must move out while repairs are being made. Liability Protection pays for damages and legal expenses for which you or a member of your household are liable if you injure someone or damage his property. Liability as well as medical expenses are paid for someone injured on your property or elsewhere (injured playmate, guest slips, pet bites repairman, etc.). Renters Insurance Your landlord's insurance doesn't cover your personal property. Things like your clothes, stereo, furniture, television, bicycle, jewelry, personal computer, artwork, and other items are not usually covered by your landlord's insurance against destruction or loss. Your landlord may be sympathetic about the flood in your living room or your stolen stereo, but you're likely to be the one who'll have to buy a new couch or stereo system. The contents of just one room quickly add up. Can you afford not to have it? Flood Insurance Won't My Homeowners Policy Protect Me? Most customers are not aware that flood insurance is not covered under their homeowners policy. The Preferred Risk Policy is an important addition to your overall insurance protection. Floods are the #1 natural disaster. Everyone lives in a flood zone. Each year, more U.S. properties within floodplains are destroyed by flooding than by fire. Changing weather patterns, increased urban development, and the leveling of forests have reduced the land's natural ability to absorb water. As flooding becomes a common occurrence, property owners need to face the facts. Flood damage can happen anytime, no matter where you live. |
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| Dan Burghardt Insurance Office Locations Canal St 504-821-3111 | Westbank 504-367-7283|Laplace 985-652-2000 | Kenner 504-455-7283 Metairie 504-455-7283 Services Claims 504-456-8584 | Service 504-456-8585 | Fax 504-454-3988 Website Design and Internet Advertising Powered By steven@scfwebsolutions.com Copyright © 2008 Danburghardt , LLC All Rights Reserved |
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