Home Insurance

Your dwelling is your home, which often includes any attached structures. This may also include detached structures that are on the property. Many rural dwellings have one or more out buildings that should be itemized in your homeowner’s policy.

This includes furnishings, clothes, appliances, computers, etc. When you own valuable art, jewelry or other hard-to-replace items, you may want to add coverage against theft or loss for these possessions to your homeowner’s policy. You also may choose to protect your home against such natural disasters as floods, earthquakes, hurricanes and tornadoes. These special coverages are known as amendments, riders or endorsements. While they add to the cost of the policy, they can give you peace of mind.

Liability coverage pays for accidental bodily injury or property damage for which you are responsible. When a person is injured while on your property, this insurance pays for his medical costs and covers your liability within specified limits.

If your home is damaged so much that you need to live elsewhere for a period of time, this coverage helps pay for additional expenses until you are able to return to your home.

When you own a condominium or co-op, you will discover that you have specialized insurance needs. The condominium association will usually have a “master policy” that covers liability and damage to the common areas shared with other residents, including the roof, basement, elevator and walkways.

Your Marcum & Associates agent will review the association’s master policy and customize an insurance policy for you to cover personal possessions, structural improvements to the unit, certain liabilities and other issues not addressed by the master policy.

While your landlord’s insurance policy covers your dwelling, you need to understand that it does not cover your personal property. Renters’ Insurance, also known as Tenants’ Insurance, provides inexpensive coverage for your personal property in the event of hurricanes, theft or other problems. Your Marcum & Associates agent can help you choose from numerous affordable options to protect your valuables 

Your mobile home and/or manufactured home represents a major investment that you want to protect. Marcum & Associates represent one of the nation’s leading mobile home insurers. We can provide coverages that are designed specifically for mobile homes so you get more value and better security.

Comprehensive coverage covers a wide range of possible damages or causes of loss, and a Liability package protects you if you are found legally responsible for an accident that causes injury of property damage to someone who doesn’t live in your home. Our insurance carrier automatically provides many important coverages for such things as additional living expenses, landscaping, emergency removal, emergency repairs, fire department and food spoilage. Other optional coverages are also available.

Contact your Marcum & Associates agent for more information.