In most cases your home is your most valued possession. At Lydon & Murphy Insurance we pride ourselves on protecting your home as if it was our own.
At Lydon & Murphy Insurance we work with our insureds to build the best policy that fits their individual needs. After a major loss the last thing you want to worry about is whether you have coverage or not and we make sure we avoid this situation. We do this by performing risk analysis on the individual and the home itself. What this does is let us find out all the details about the home and what needs to be protected.
In today’s market we strongly recommend that our insureds combine their homeowners and auto insurance with the same company. The reason being that insurance companies are offering great discounts if you bundle the two together. Often times saving insured hundreds of dollars.
A homeowner’s policy is broken down into several parts:
Dwelling: The physical structure of your home.
Coverage to Other Structures: Provides coverage to other structures on the property such as a detached garage, Shed, Barn etc.
Personal Property: Covers your personal belongings in the home such as furniture, electronics, clothes etc.
Loss of use: If there was a major loss this coverage would pay for you accommodation while your home is being repaired.
Personal Liability. Provides coverage in the event of a legal suit against an insured as a result of legal responsibility for bodily injury or property damage to others.
Additional Coverage’s that can be added onto a homeowner’s policy:
Scheduled Personal Property (A common scheduled item is Jewelry.)
Replacement cost on contents
Identity fraud coverage.
If you are interested in Homeowner’s Insurance or have any questions please contact us and we will be happy to help!