Owning and caring for a home is no simple task. Finding the right insurance policy for your investment is important. Our agents will work with our expansive network of providers to find the best policy to meet your needs. The agents at Veritas Insurance Group and our affiliates are dedicated to finding the right amount of coverage for your home, while still staying within your budget.
A standard homeowners insurance policy will cover the following aspects of your home:
Let the friendly and experienced agents at Veritas Insurance Group and our affiliates help you find personalized coverage for your home.
The cost to rebuild your home. The market value of your home is generally not a good indicator of the cost to rebuild your home. If your home is destroyed by fire or other natural disaster, as covered by your policy, the dwelling portion of your policy will pay to rebuild the structure of your home. The cost to rebuild is usually higher than the current market value. This is due to the current cost of raw materials, changes in building codes, and special measures that must be taken in order to prevent further damage to the property. Additionally, the cost of labor and building materials increases sharply when an event such as a natural disaster causes widespread damage.
Coverage for your personal belongings. Our homes are filled with more than objects. Our personal belongings tell a story and provide comfort. Your clothes, furniture and other objects within your home are covered under this part of your policy. This part of your homeowners policy can cover your belongings anywhere in the world. Expensive jewelry, watches or furs can also be covered with an endorsement, though dollar limits are typically set. Speak to your Veritas agent about these options.
Liability coverage. Protects any property damage or bodily harm caused by you or members of your family. If your errant golf shot strikes another golfer, or your kids break a neighbor’s window while playing, you’re covered. You can be exposed to more significant liability due to slips, falls, dog bites or drowning. Your Veritas agent can help you determine the amount of liability protection that’s right for you.
Additional living expenses. Life isn’t cheap, especially when you are living outside of your home due to an unexpected accident or natural disaster. This part of your homeowners policy covers hotel bills, food at restaurants and any other expenses you suffer while your home is being repaired or rebuilt.
Replacement Cost Coverage. A standard homeowners policy will replace your home’s contents at their actual cash value at the time of the loss. Replacement cost coverage ensures that your property will be replaced without a deduction for depreciation.
When it comes to protecting one of your most important investments, experienced Veritas Insurance agents and our affiliates are dedicated to finding a policy to fit your needs. We have access to insurance carriers nationwide. Your personal agent is ready to find a policy just right for you. Contact us today and let us construct a policy that meets your needs, and fits your budget!