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- Property Insurance
- The A,B.C's of insuring your
Home, Condo, Duplex, Triplex, or other type dwelling.
A typical homeowners policy consists of six
different categories of coverage.
- Dwelling:
Depending on your
type of policy and its coverage, this part tells you how your home is
covered. The total coverage should represent the cost to rebuild (not the market value).
- Other Structures:
This coverage is for structures unattached to your home:
landscaping, sheds, fences, gazebos, detached garages, etc. The
amount of coverage is 10% of your dwelling coverage (i.e. $200,000 =
$20,000 of coverage).
- Personal Property:
Items
such as electronics, clothing and furniture are included in this
coverage. Some carriers may exclude off- premise theft and
animal liability. Typically 50% of your dwelling coverage is
allocated for personal property. Certain exclusions and
limitations may apply, especially for items like Art, expensive jewelry,
collectibles, etc. You may need to purchase a scheduled personal
property policy or rider for these additional coverages.
- Loss of Use:
If your home is damaged to the extent of being
uninhabitable, this coverage will pay for housing (hotel, motel) while
your home is being repaired or rebuilt.
- Personal Liability:
Protects your family from a lawsuit, should someone become injured on
your property - i.e., someone falls on your walkway and is
injured. Should a lawsuit occur, this coverage will help pay for
your legal defense.
- Medical Payments:
Pays medical expenses for someone injured on your property -- i.e.,
friend falls and breaks finger.
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- Windstorm Insurance
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All Mortgage lenders require Windstorm coverage - go to
the Windstorm page by clicking on this icon: 
- Flood Insurance
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Flood insurance is required for any residence that is located
in a special flood hazard area. Your Brokers Insurance Group Agent will request a
flood zone determination report for your property. If your property is
located in any zone rated AH, AE, AO, A1-10, or V, you will be required to have Flood
Insurance by your Mortgage Lender. To go to the Flood page, click on
this icon 
- Automobile Insurance
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Brokers Insurance Group covers all type of motor vehicles
including: Cars, Trucks, SUV, Vans, RV's Motor Homes,
Motorcycles, Mopeds, Sports Cars including high value autos such
as: Porsche, Ferrari, Lamborghini, Mercedes, etc. Brokers Insurance Group
also offers coverage for boats -- from Jet Skis to Yachts. To go
to the Auto page, click on this icon 
- Business Protection Insurance
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Brokers Insurance Group offers all type of Business Related
Insurance from A- Z - From Auto repair shops to Zoological retail
shops. To go to the Business Protection Insurance page,
click on this icon 
Mortgage Life Insurance
The home is important to
the entire family. It's where people gather, enjoy special occasions and love
coming home to. Keep your families home in the family and protect it with
Mortgage Life Insurance. To contact an Agent at Broker Insurance Group,
click on this icon: 
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