Guide to Understanding Your Policy

Your homeowner’s policy coverages otherwise known as the declaration page can be difficult to understand if you have never reviewed or questioned what they mean. As a preferred insurance carrier, we strive to make our insured’s understand the coverages presented to them. Below you will find some commonly mentioned terms that are listed on your policy with a brief explanation as to what they are.

Dwelling Coverage- This covers your home’s structure —not interior contents or the land. However, features like installed fixtures such as solar panels are covered under this description.

Personal property- This the stuff you own — furniture, electronics and clothing, for example. Whether you own a home or rent an apartment, insurance policies typically include personal property coverage. 

Personal Liability- Liability coverage protects you from lawsuits filed by others. This clause even includes your pets! So if someone were to sustain an injury on your property, like a slip and fall situation or bitten by your dog, liability will come into play.

Deductible- This can be a set amount or a percentage, it is the amount of money that you are responsible for paying before your insurance company will pay you for an insured loss pending valuation from an adjustor.

Knowledge is power and we hope we provided some useful information to help you better understand your coverages.

To see how much money you can save on your homeowners insurance go to

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