Coverage Options

Your Home, Your Castle
With Burnette Insurance Services Homeowners Insurance, you’ll be protected against damages or losses that result from fire, lightning, smoke, theft and vandalism, among many other causes. They’re every homeowner’s concerns. But you also have individual needs—unique to you and your home—that should be reflected in your policy.

To meet these needs, Burnette Insurance Services offers different levels of coverage, ranging from Standard to Deluxe to Deluxe Plus policies, and more. And, you can tailor your policy by selecting among different available limits, deductibles and optional coverages that fit your life. It’s just one reason that Burnette Insurance Services has been chosen to insure one in every eight homes.

Read below for more information on some of the basic coverage options that make up a homeowners policy. You can also read about enhancing your policy with Optional Coverages and Scheduled Personal Property. For example, do you own specific high-value items like expensive computer or stereo equipment? If so, you may want to insure them with an Optional Coverage. Contact me to discuss which coverages, limits and deductibles may be right for you.

High Waters
Keep in mind that flood insurance is not included in a homeowner’s policy. It’s a separate, yet affordable, policy available to qualifying communities. Contact me to learn whether your community qualifies for Flood Insurance Protection under the National Flood Insurance Program (NFIP) guidelines. I can provide you with complete information about your community’s status and the coverage necessary to help protect your property.

Protect Your Home

Coverage	Description
Dwelling Protection Coverage	Dwelling Protection Coverage typically provides protection if your home is damaged by a sudden accident, such as fire, smoke, lightning, vandalism or theft, among other covered losses. With Dwelling Protection Coverage, your house and any attached structures, like an attached garage, would be protected.
Other Structures Protection Coverage	If you have a detached garage, fence, gazebo, barn, shed or any other unattached structure that is still part of your property, protect it against physical damages caused by sudden accidents. Other Structures Protection Coverage is similar to Dwelling Protection Coverage, except it covers those structures that are not physically attached to your house.
Personal Property Protection	Your home is more than just the walls of your house; it includes all of your personal belongings, big and small. Personal Property Protection provides protection against covered loss to movable property like a stereo, bicycle, furniture or clothing.

Protect Yourself and Others

Coverage	Description
Family Liability Protection	If a friend or neighbor were accidentally injured on your property, you could be legally obligated to pay. Family Liability Protection provides protection for insured persons who become legally obligated to pay for covered accidental bodily injury or property damage to others. This protection does not cover auto liability claims.
Guest Medical Protection	Unfortunately, accidents sometimes happen. Guest Medical Protection provides protection for your guests, who are accidentally injured on your property as a result of a covered loss. This protection pays for the reasonable and necessary medical expenses they incur, regardless of who was at fault..
Additional Living Expenses	If a covered loss occurs to your home and you’re forced to quickly find alternative housing, Additional Living Expenses can help. If a direct physical loss makes your home uninhabitable, Additional Living Expenses reimburses you for a reasonable increase in living expenses necessary to maintain your normal standard of living, up to the amount of time specified in your policy. This may include payments for the additional costs of a place to stay, food and/or other increased living expenses.

Optional Coverages

Coverage	Description
Scheduled Personal Property	If you’d like to protect certain items that you keep in your home or on your person (such as an engagement ring), Scheduled Personal Property Coverage might be the right protection for you. You can receive increased protection for many items including, but not limited to, jewelry, watches, furs, stamp and coin collections, fine arts, cameras, personal computers and sports equipment. Ask me if Scheduled Personal Property Coverage is right for you.
Additional Optional Coverages	Several Optional Coverages are available to help broaden the protection you receive. These include Increased Coverage on Securities and Extended Coverage for Jewelry, Watches and Furs. You can also receive protection for business property and certain technology investments. Contact me to find out more about increasing protection for specific items of value in your home.

Savings and Discounts
Looking to save on the costs of homeownership? Discover the Burnette Insurance Services money-saving discounts that  reward safe homes and smart homeowners.

* All coverages are subject to availability and qualifications. Other terms, conditions and exclusions may apply. This is a brief description of coverages; this is not a contract. Please read an Burnette Insurance Services policy for full coverage details