Homeowners Insurance Coverage

Protect Your Home With Our Insurance

For most of us our homes are our largest asset. Loss or damage to our home would be devastating, made worse if you are not adequately covered. Clifford M Golub Associates Inc reviews all policies annually to protect your largest and most personal asset, your home.

Let's begin with some basics.



• Dwelling - (Coverage A) This is residential structure coverage. Basically, your home, minus everything you could carry out. It covers the rooms, fireplaces, carpeting, built in air conditioners, attached garages, etc.
  
• Other Structures - (Coverage B) covers items not attached such as your shed, detached garage or your pool
  
• Personal Property - (Coverage C) covers your furniture, clothes, your appliances, toys and things of that nature. Some items may not be covered, such as valuable items that require a special policy
  
• Loss of Fair Rental Value - (Coverage D) If you can't live in your home due to damage, this pays for your rental while your home is being fixed
  
• Additional Living Expenses - (Coverage E) On some policies this enhances Coverage D, and may also include additional expenses incurred so you can maintain your normal standard of living
  

What Type of Situations (Perils) Are You Protected From?

• Fire or lightning
  
• Windstorm or hail
  
• Explosion
  
• Aircraft
  
• Vehicles
  
• Riots
  
• Smoke
  
• Theft
  
• Vandalism
  
• Volcanic eruptions

Some Insurance Policies Also Provide Coverage For

• Falling objects
  
• Damage from the weight of ice or snow
  
• Frozen plumbing
  
• Accidental overflow of water steam from plumbing
  
• Rupture of steam or hot water heating system or 
  
• Air conditioning
  
• Damage from artificially generated electric current

What's Not Covered?

• The land
  
• Structures used for commercial, manufacturing or farming purposes
• Loss or expense due to cancellation of lease
  
• Animals, birds or fish
  
• Boats (except rowboats & canoes <see Boat Insurance>
  
• Data, whether on paper or software <see Inland Marine>
  
• Losses caused by power failure
  
• Loss due to war
  
• Deliberate loss
  

Personal Liability - (Coverage E)

This covers bodily injury or property damage. For instance, your child hits a fly ball through your neighbor's window. This coverage can be supplemented with excess liability.

Medical Payments - (Coverage F)