Homeowners Insurance
If you are a homeowner you need coverage to
cover the property and contents from damage
and your personal liability. Renters, you need to
cover your personal belongings and liability.
Bills Insurance has the resources to put a
personalized policy together for you..
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Homes
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Apartments/Renters
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Condominium
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Mobile Homes
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Contents
Building (Dwelling) Coverage – be sure your insurance covers the full replacement value of
your home so that losses, partial and total, will be paid without a penalty – other than the
policy deductible. We’ll review with you what types of losses are covered, which are not,
and what additional coverages you may want to consider.
Personal Property (Contents) (provided under ALL forms – owners or renters) – your
personal property such as clothes, tables, chairs, beds, etc. are covered anywhere in the
world. If you own a home, 50% of your dwelling value is included for your personal
property. More can be purchased, if needed. If you are a renter or condo owner, you must
choose how much coverage you will need. We’ll talk with you about what limitations are
right for you.
Loss of Use (provided under ALL forms – owners or renters) – when your property is
damaged by a covered loss, you may have to go somewhere else to live until repairs can be
made. You may also have to spend extra money for other things such as eating or driving
to work. Your homeowner policy will provide you with a certain amount of money to pay
these additional expenses.
Flood Insurance
Consider these facts:
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Water is more likely than fire to damage
your home.
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Your homeowners insurance does not cover
flooding.
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One third of flood loss claims are outside
high flood-risk areas.
Flood Insurance is a Federal program and is
available through Bills Insurance Agency. Let’s
talk about how you can make sure your home is
protected against flood.
Personal Umbrella
You don’t have to be a millionaire to be sued like one!
Liability limits provided by a standard automobile or homeowners policy usually aren’t
enough for $1 million and up law suits. Personal Umbrella Liability Policies with limits of
$1 million to $5 million are available. This coverage is in excess of the liability coverage
provided by your auto and homeowners policy and is very affordable. It also covers
attorney expenses.