Our experienced agents are prepared
to offer you the most comprehensive coverage at the most competitive
rates. Whether you own a home, motorhome, condominium, or rent your
residence, our agents can meet your needs.
Additional Coverages
Now is a good time to refresh yourself
with additional coverage possibilities available at Edith Estes
Insurance. Chances are that your insurance needs have changed
somewhat since you first purchased your homeowner policy. Please take
a moment and review the below list of additional coverages available.
Give us a call if you have any questions or interests in these or
other coverage needs.
Available Additional Coverages
Deductibles from $100 to $2500
- Scheduled Coverage for Jewelry, Breakables,
Fine Arts, & Silverware
- Increased "Blanket" Coverage for Jewelry,
Silverware & Furs
- Special Coverage for In-Home Business &
Equipment Additional Personal Computer Coverage
- Increased Dwelling, Contents & Detached
Structures Coverage
- Laptop & Cellular Phone Coverage
- Increased Personal Liability (limits are available
up to and beyond 1.5 million dollars)
- Increased Medical Coverage
- Extended Liability to Secondaries and Rentals
- Earthquake Coverage for Contents and/or Dwelling
- Incidental Farming Coverage
- Special Personal Property Coverage (all-risk
on contents)
- Landslide and Wave Action Coverage
- Outboard Motor Liability
- Loss Assessment Coverage (for home & condo
associations)
- Loss Assessment Earthquake Coverage (condo
only)
- Personal Injury Coverage (wrongful eviction,
slander)
- Home Replacement Guarantee Full Value Contents
(replacement cost contents)
We recommend our clients read their insurance
policies from time to time to re-familiarize themselves with the coverages
and limitations. Often such a review will prompt a phone call to our
agency for a welcome insurance coverage discussion. We invite you
to do this now.
Instant Jewelry Photo Service
Bring your most valuable pieces to
us and we will make a close-up polaroid photo. We will send this on
to your insurance company so they can have it on file.
Earthquake
Earthquake coverage is not automatically provided under your homeowner policy. Coverage may be
made available by endorsement.
Earthquake rates range between $1.00
and $1.50 for each $1000 replacement coverage your frame home is insured
for. Brick and or Masonry veneer costs a lot more...approaching $7.00
per $1000 in home replacement coverage. For example, if you have a
wood frame house built in 1985 and it is insured for $100,000 the
annual cost for earthquake coverage could be about $150.00. There
is a substantial deductible of 10% of the dwelling and contents limit
separately.
Call Estes Insurance to see
if your home is eligible for earthquake insurance. Certain conditions
must be met. It is forecasted that guidelines will tighten up in the
future. Most newer homes built on relatively flat grades with poured
concrete foundations and strapped and secured hot water heaters are
often eligible. Photos and pre-approval from the underwriters are
a must.
Flood and landslide coverage are also
excluded from your base policy. Call us to find coverages for these
catastrophes.
Documentation
Although not required, documentation
of personal belongings can be a big help in settling claims. Methods
used include a paper list, photographs, a videotape or computer database
of your possessions. You may want to use a Home Inventory
Computer program. Try entering "Home Inventory" into
your favorite online search engine for options. Remember to store this inventory
off-site in case of fire. Many people have learned this the hard way!
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