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Your home protects you your family your belongings.
Whether you own or rent, Our affordable rates and outstanding claims service
can help protect you in the event of loss or damage. Our Homeowner Insurance
ensures you have the best insurance protection available. Our claims service is second
to none!
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Coverage To Protect Your Personal Property
Covers Your Personal Property Against Loss
Or Damage Caused By The Following Perils:
- Fire and Lightning
- Windstorm and Hail
- Explosion
- Riot and Civil Commotion
- Aircraft
- Vehicles
- Smoke
- Vandalism and Malicious Mischief
- Theft at Residence
- Falling Objects
- Weight of Ice or Snow
- Glass Breakage
- Accidental Overflow of Water from Plumbing
- Accidental Electrical Damage to Appliances
Hadley Brown offers a combination of quality coverages and services to
fit your special needs.
Also Includes These Other Important Coverages:
- Loss of use -- up to 20% of the personal property coverage. If a
covered loss requires you to leave the residence premises, we will
cover the required increase in living expenses so you may maintain
your normal standard of living.
- Credit card, counterfeit money and forgery coverage -
pays up to $500 for theft or unauthorized use.
- Building additions/alterations coverage - pays up to a limit
of 10% of personal property limit to protect your home improvements.
We cover insured personal property in a building at the residence premises for
loss due to temperature change resulting from power interruption. There must be damage
to the residence premises caused by a covered peril.
Additional Coverage Available
High-valued personal property may exceed the coverage provided by the policy.
You may wish to add more coverage to protect certain valuables.
Some Of The High-Valued Items Which You May Wish To Protect:
- Jewelry, Watches, and Furs
- Guns
- Tools
- Cameras/Camcorders
- Silverware/Goldware/Pewterware
- Securities/Deeds
- Money/Coins/Gold
- Computers
Coverages To Protect You
includes Personal Liability and Medical Payments To Others.
They provide protection against injury to others or destruction of others'
property, including medical expenses, ambulance charges, hospital expenses
and cost of a registered nurse.
Personal Liability Coverage:
- Protects you and your spouse or any relatives living with you
and anyone under age 21 in your care.
- Protects against claims you're legally obligated to pay -- bodily injury, sickness, disease, and death
of others.
- Pays cost of defending claim against you (see policy)
- Damage to property of others
- First aid expenses of others
- Accidental death benefits
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