Homeowners Insurance

One of your most valuable assets is your home. The good news is that dollar for dollar, it can also be the cheapest to insure! When purchasing homeowners insurance, there are at least three important considerations:

• REPLACEMENT OF YOUR HOME
• REPLACEMENT OF YOUR PERSONAL PROPERTY
• PERSONAL LIABILITY COVERAGE

Though it seems easy enough, making sure that each one of these items is properly covered is important. For example, there are a number of factors in determining the replacement value of your home, it's not just the amount you purchased it for. And, when it comes to personal property, you don't want to get hung out to dry because you didn't properly document the items that the policy covers. Personal liablity has it's own limitations as well including:

• Employment
• Boat use and ownership
• Recreational vehicle ownership and use
• Automobiles are never covered on a homeowners policy
• Intentional assault and battery, including false arrest
• Criminal acts
• Business activities (always buy a business policy for business exposure)

So, as you can see, it's a handful to sort through. Miller & Associates is here to help! Call us today at (989) 427-5123.