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A common concern
of many homeowners is whether the policy they buy today will
be enough to rebuild their home tomorrow in the event of a
covered loss. With rising construction costs and increased
inflation, the cost of repairing or replacing your home
steadily increases. But coverage secured through Rubin
Insurance Homeowners Insurance Program was designed with this
in mind. So you get peace of mind and high quality coverage
for your home -- all at affordable rates.
For most
Americans, buying a home is one of the most important
investments they will make over their lifetime. So when it
comes to protecting that investment, you shouldn’t settle
for anything but quality insurance. And if this coverage also
features affordable rates and comes from many quality
insurance companies our agency represents, including many
quality California admitted companies.
That’s
exactly what you can get with our Homeowners Insurance
Program. It protects your home if it's damaged or destroyed by
a covered peril, such as glass breakage, smoke damage, fire
and lightning, wind and hail storms, vandalism, falling trees
and electrical accidents.
Homeowners
insurance provides protection for your home and possessions.
There are
standard and optional features called "coverages"
which together can offer a comprehensive package of
protection. The following contains information on our standard
policy protection, additional standard coverages, optional
coverages, renters and condo owners coverage, and personal
umbrella liability protection.
Knowing the
function of these coverages before you buy can help you
determine what you need. And understanding what you get in the
long-term will help you determine the real value of your
insurance. We can cover almost all of your home insurance
exposures, close dangerous coverage gaps and trim costly
overlaps.
Standard
Policy Protection.
Our basic
policy protects your home, any related structures (like a
garage)and your household contents from an array of losses,
including those caused by:
fire
theft or
vandalism
accidental
electrical damage
windstorms
and hail
lightning
explosions
and smoke
the weight of
snow or ice
frozen
plumbing and heating systems
glass
breakage and building collapse
riot or civil
commotion
Additional
Living Expense
When a
disaster forces you to live somewhere else while your home is
repaired or rebuilt, this coverage pays for your additional
living expenses. It also pays for lost income from any area of
your home that you regularly rent.
Personal
and Legal Liability.
If someone is
accidentally injured or dies on or off your property, and it
is caused by you, a family member or pet, this coverage pays
claims against you for legal responsibility. (Does not include
automobile or business liability.)
Medical
Payments.
Your policy
will cover actual medical expenses for accidental injury to
others (except your household residents) caused by you, family
members or your pets -- on your premises or elsewhere --
regardless of legal liability.
Protection
from Household Accidents.
You are also
covered for:
Damage to
interior walls caused by rain and snow.
Scorched
countertops, floors and carpets.
Ink stains or
paint spills on floors, walls and carpets.
Optional
Homeowners Coverages
For a small
additional cost, you can add a variety of optional coverages,
including:
Full
Replacement Cost of Your Dwelling.
Offered in
most states for one dollar,* this feature provides the extra
coverage you may need to pay the actual cost to replace your
home, regardless of its original cost or your policy limits.
Full
Replacement Cost of Contents.
Pays to
replace your damaged or stolen household contents at today's
retail prices, regardless of their original cost (up to your
policy limits).
Extended
Personal Property Coverage.
To increase
your protection and save you money, we've combined -- into one
package -- coverage for jewelry, watches, furs, silverware,
credit cards and more -- at a fraction of the cost of
separate coverages. Special extensions of coverage also
expands personal liability protection to lawsuits for libel,
slander, wrongful entry, and more.
Valuable
Items, Watercraft and Trailers.
Special
limits are available to cover financial loss of property, such
as boats and trailers, jewelry, watches, silver and goldware,
furs and guns.
Flood
Damage.
Although
flood damage is not included in any standard homeowners
policy, your Insurance-At-Work representative can offer you
special flood insurance .
Special
Policies for Renters and Condo Owners
If you need
protection for your condo or rental home, Rubin Insurance has
comprehensive policies covering personal property, household
goods and alterations you make to the property. Liability
coverage is also available.
Personal
Umbrella
Some people
feel the need for additional personal excess liability
coverage -- over and above what's provided through their
standard auto and homeowners policies for catastrophic losses.
Personal umbrella coverage is an economical, convenient way to
provide that peace-of-mind protection. To qualify for a
personal umbrella policy you must have both auto and
homeowners insurance that meet the minimum sufficient
liability.
For
more information on Homeowners Insurance Products,
call
1-800-782-4620. .
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