Home Insurance

Home insurance policies are typically structured in a similar way, but understanding your actual coverage can be challenging. You can count on an experienced agent from Cheektowaga Agency, Inc to help clarify any questions you may have.

New Home Insurance coverages: Buried Utility Line Coverage, Equipment breakdown, matching of undamaged roof surfacing, matching of undamaged siding

Dwelling Limit

Covers the home you occupy. How the home is covered varies, is it Replacement cost, Actual cash value? Is there enough coverage? Is there a coinsurance clause?

Personal Liability

Covers Bodily Injury claims to others you might be negligent for. Someone who falls on your property and sues you for their injury, dog bite claim.

Other Structures

Covers detached structures like sheds, fences, garage, deck, swimming pools.

Medical Payments

Covers medical payments to others who don't live with you. Usually a minor claim, a sprained ankle, trip to emergency room.

Personal Property

Personal property you own and keep at your home. Appliances, clothing, furniture. Beware of certain limits on specific property. Is it Replacement cost or actual cash value?

Loss of Use

Pays for reasonable extra expenses you might incur after a covered loss makes your home not fit to live in.

Optional Coverages

Water Backup through sewer/drains/sumps in basement, Personal Injury Liability(Libel, Slander, False Arrest), Jewelry, Ordinance or Law, Underground utility Lines, Equipment Breakdown, much more.