It's Not Only Your Single Largest Investment ...
It's Your HOME. Protect Yourself from Loss.

Unlike car ownership in which you are required by law to have insurance before you drive your vehicle, you can legally own a home without homeowners insurance. But, if you have bought your home and financed the purchase with a mortgage, your lender will most likely require you to get homeowners insurance coverage.

Cole Harrison Insurance understands that there is a lot more at stake than merely assets and possessions when something happens to your home. There is an emotional component to having a home that is equally if not more important. Should some type of insurance claim arise for our clients in the future, we want to know that they will have the peace of mind that they are adequately covered against loss.

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.

For an additional fee, you may be able to purchase additional homeowners insurance coverages as riders or endorsements to your policy. These include:

• 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

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