Homeowners Insurance

[video|homeowners]

Homeowners insurance provides coverage in the event of damage to your property, as well as liability for injuries and damage you cause to other people on your property.

Homeowners insurance policies provide broad coverage for losses to your home, your personal belongings and also for detached structures on your property. It also provides protection in the event of an injury to people on your property. While homeowners insurance is comprehensive coverage, there are some things it does not cover. That is why we take the time to get to know our clients, understand their needs and then craft a comprehensive risk management policy for them. 

Homeowners insurance highlights:

Your Home - Your home should be insured for an amount based on the replacement cost value of your dwelling. Replacement cost is what it would cost today to rebuild your house in the event of a loss and based on current building codes. There usually is a deductible, which is an amount you would be responsible for before the policy starts to pay out.

Personal Property - Policies automatically provide a separate amount to cover your personal belongings, however, there is a deductible. We suggest that our clients create a home inventory.  In the event of a claim it will make it much easier to document your loss and make the claims process much easier.

Personal Liability - If you are legally responsible for an injury to a guest or for damage you cause to another person’s property, the personal liability section of your policy can provide important protection.

Other Structures - Basic coverage is included for any detached structures on your property.  Examples include sheds, garages or fences. There are specific limits on the amount of coverage available for these types of structures depending on the amount of coverage for the home itself.

Loss of use of home - If your home were to become uninhabitable, your policy can provide valuable benefits to help you with additional living expenses.

Contact us and one of our specialists will be happy to assist you.  We take the time to understand your unique situation in order to provide you with an insurance program that meets your specific needs.

Privacy Statement | Products Notification | Site Map | Contact Us

Secured By GeoTrust

Insurance Products:

  • Are not FDIC Insured
  • Are not Bank Guaranteed
  • May Lose Value

Are not deposits or other obligations of Berkshire Bank (the "bank") or any bank affiliate; Are not guaranteed, issued or underwritten by the FDIC, the bank or any bank affiliate; Are not insured by any agency of the US, the bank or any bank affiliate; Are not a condition to the provision or term of any banking service or activity; Need not be negotiated or purchased through any particular person as a condition of any financial transaction or service; May be purchased from any agent or company and the customer's choice will not affect current or future credit decisions; and Involve an investment risk, including possible loss of principal or loss of value. The market value of the investment may fluctuate, causing possible loss of principal amount invested.

 

Insurance is offered through Berkshire Insurance Group, Inc. Berkshire Insurance Group, Inc. is a licensed insurance agency and non bank affiliate of Berkshire Bank and is not a chartered bank or trust company, or depository institution. Berkshire Insurance Group, Inc. is not authorized to accept deposits or trust accounts and is not licensed or regulated by any state or federal banking authority.

 

Berkshire Insurance Group, Inc. is neither a tax nor legal advisor. We suggest you consult with your personal tax and/or legal advisor before making any tax-related or legal decisions. You should consider an annuity's risks, charges, and expenses carefully before investing. Annuity withdrawals made prior to age 59 1/2 may result in an IRS penalty. Consult with your tax advisor.

 

NOTICE: Berkshire Insurance Group, Inc. is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here. Please contact us with any concerns or comments.

© 2017 Berkshire Insurance Group. All rights reserved.
Powered by AgenciesOnline