Generally, a standard homeowners insurance policy protects the following:
·The physical structure of your home
·Structures on your property (storage sheds, pools, boathouses, etc.)
·Your personal property and belongings inside your home, up to specified limits
·Your liability or legal responsibility for any injuries and property damage you or your family members cause to other people
·Injuries to your household pets while inside your home
·Additional living expenses if a fire or other insured disaster leaves you temporarily unable to live in your home.
In addition, homeowners insurance can also coverage:
·Higher limits of liability for property damage or bodily injury
·Replacement cost for personal property
·Protection for valuables (jewelry, watches, fur, etc.)
·Additional coverage for electronics or computer equipment.
Remember, your home isn't standard and your insurance policy shouldn't be either. We can help get the specialized coverage that will take care of the things that matter to you. Also in addition to Homeowners, we can also help you with Condos, Renters and Mobile Homes.
Protect your house and your possessions with homeowners insurance. Homeowners insurance compensates you for losses to your home and your possessions inside it, so purchasing a homeowners insurance policy provides added security for your investment. Homeowners insurance also protects you if you're legally liable for someone's injuries on your property, as well as from financial losses caused by storms, fire, theft and other events
Established in 1936, by Thomas J. Unik Sr., our company has grown to a full service insurance agency that serves the insurance needs of over 12,000 individuals and families and 4200 business concerns in Cleveland, Cuyahoga County and adjacent areas.