A single policy has long been available to provide all of the essential property and liability insurance for owners of homes and tenants of residential buildings. Homeowners policies are designed for the owner-occupant of a home to cover the dwelling building, personal possessions (other than automobile and certain specifically excluded items) and personal liability. 

As you might be aware, our courts say that if you – or a member of your family or your pet – cause injury to others or damage to their property, you have to pay them for medical expenses, loss of earnings, "pain and suffering" and value of the property, including loss of its use.

The way juries have been handing out verdicts for "pain and suffering," this can often run into a figure larger than your total assets, plus a big piece of your future earnings. Accidents do happen – a trip over a loose stair or loose rug, a slip on the ice, a poorly driven golf ball, a bite by Fido. The possibilities are almost endless. A simple and inexpensive policy not only pays your legal obligation but can secure the services of skilled attorneys to represent you, and it can pay the legal fees.

Don’t forget to specifically schedule your:

• Fine Arts
• Jewelry
• Firearms
• Furs
• Silverware
• China/Crystal
• Musical Instruments
• Cameras
• Computers