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The Most Insurance Agency offers you the opportunity to customize your homeowners policies to meet your specific needs.
The Most Insurance Agency offers protection against the loss of your home or personal property caused by:
- Fire and Lightning
- Windstorm and Hail
- Explosion
- Riot and Civil Commotion
- Aircraft
- Vehicles
- Smoke
- Vandalism and Malicious Mischief
- Theft On or Off Premises
- Falling Objects
- Weight of Ice or Snow
- Structural Collapse
- Accidental Overflow of Water from Plumbing
- Accidental Electrical Damage to Appliances
- Damage by Accidental Cracking or Bursting of Hot Water Heating Units
- Damage by Freezing Pipes
Comprehensive Coverage may protect you against any direct physical loss to your home except those specifically excluded by the policy you choose. Some examples:
- Water Damage
- Chemical Spills
- Scorched Surfaces
- Glass Breakage
- Interior Damage by Melting Ice and Frozen Snow
- Damage to Floor from Paint Spills
- Chipping of Sink or Tile
- Damage to Underground Pipe from Excavating
Personal Liability and Medical Payments to Others coverage may provide protection against injury to others or destruction of others' property, including medical expenses, ambulance charges, hospital expenses and cost of a registered nurse.
- Personal Liability coverage may protect you and your spouse or any relatives living with you and anyone under age 21 in your care.
- May protect against claims you're legally obligated to pay - bodily injury, sickness, disease and death of others.
- May protect boats you may own or in your care.*
*Depending on the type, size and horsepower a separate policy may be needed.
- May pay cost of defending claim against you (see policy).
- Damage to property of others.
- First aid expenses of others.
- Accidental death benefits.
High-valued personal property contained in your home should be covered as well. Some examples of specific property that The Most Insurance Agency may cover are:*
- Jewelry, Watches and Furs
- Guns
- Tools
- Cameras, Camcorders
- Silverware, Goldware, Pewterware
- Securities, Deeds
- Watercraft, Trailers, Equipment and Motors
- Money, Coins, Gold
- Computers
- Business Property on Premises
You may not have thought of these, but they could be important. These additional coverages may need to be added to your policy and may require additional premium. Check with your agent to see if these coverages are included on your policy and potential coverage amount options.
- Damage to Trees and Shrubs From Specified Perils
- May pay to Replace Locks When Keys are Stolen
- Loss of Use
- Consequential Loss
- Pets on Premises
- Credit Card Forgery
- Inflation Protection
- Reasonable Repairs
These optional coverages may need to be added to your policy and may require additional premium.
- Building Additions and Alterations
- Sewer or drain backup
- Replacement Cost Contents
- Replacement Cost Plus on Dwelling
- Ordinance or Law
Some optional coverages you may want to consider:
- Personal Injury Protection, Libel, Slander, False Imprisonment, Wrongful Eviction
- Loss Assessment (homeowners associations)
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