Insurance Centers of America INC - The Best Insurance for You

Business & Personal Insurance

1.888.227.1910
719.528.5400

Business & Personal Insurance
1.888.227.1910 or 719.528.5400

 

Insurance Centers of America, Colorado Springs, CO

719-528-5400
1-888-227-1910 (Toll Free)

Home Insurance

The home policy is a package policy that combines two separate coverages (property and liability insurance) into a single policy. So, if the home suffers a fire loss, for example, the home policy provides coverage for the fire damage. In addition, if a guest falls down the stairs of the home and sues the owner, the home policy provides liability coverage including any defense costs. To be eligible for a home policy the owner must reside in the home. Most home policies are written on an open peril or all-risk basis. This provides the broadest coverage and does not list the covered perils but instead lists what perils are not covered. Within these 2 sections are several subsections.