Your home is one of your most important assets. Whether you rent or own, KGS Insurance can provide you with a variety of homeowner insurance policies to choose from and then tailor this policy to suit your individual needs and budget.
The standard homeowner policy should include four essential coverages:
•Home structure and other structures
•Personal property
•Additional living expenses incurred as a result of a covered loss
•Liability and Medical Payments
There are a variety of endorsements and optional coverages available to individualize your policy. Most homeowner policies do not cover flood, earthquake, and water and sewer back-up unless purchased separately.
KGS Insurance will complete an up-to-date evaluation of your property’s re-construction value to assure you are properly insured.
Erie Insurance offers several home discounts to aid in saving you money:
•New home discount
•Smoke/Burglar alarm discounts
•Life Insurance and auto insurance multi-policy discounts
•Sprinkler system discount
KGS Insurance offers this “umbrella” policy to cover your liability exposure if you cause a serious auto accident or someone is injured while at your home.
In today’s litigious society, this policy allows for extensive coverage for you with little cost. You can purchase $1,000,000 in extra liability coverage for both your autos and a home for approximately $140/year.
