You take care of the love and dreams and we’ll handle the walls and beams! If walls and beams were the only thing we had to protect in your house then we might as well let the Lizard and the Lady handle your insurance needs. In fact, at Hatzung Insurance we protect the walls, the beams, the love and the dreams…all in one policy and at one office. However, this policy isn’t as simple as it may appear. Over time, the homeowners policy(HO-3) and it’s counterparts the renters(HO-4) and condo(HO-6) policies have grown, adapted and evolved to fit our ever changing lifestyles. Technology has forced the Homeowners policy to grow and adapt to protect peoples ever changing and evolving lifestyle needs. It doesn’t just cover your house and the stuff in it anymore. It covers your identity and your financial well-being.
Did you ever stop to think of what would happen to you if your house caught fire and you sustained a total loss? Or if suit was brought against you in the amount of $1,000,000 for something you did or even said??? There are crucial coverage and amounts of coverage that must be considered and some forethought must be part of the decision making process. It’s not just about price people! It’s about holistic coverage at the right price. Don’t let them fool you.
There are very specific coverage options that a quality insurance advisor will include and recommend. Besides general coverage limits for property and liability, identity theft recovery, back up of water and sewer/sump pump overflow or failure coverage, high value items coverage, and excess liability, must be at the forefront of the discussion with your advisor.
Send us an email or give us a call and we’ll discuss issues, exposures and gaps in your coverage that consumers often don’t consider purchasing. We look forward to speaking with you soon.