FAQ Group: Home & Valuables

What about fires?

While coverage will be addressed through the customization of your insurance program, there are significant loss control services that potential insurance carrier partners can provide as well as some additional public resources. Learn about the latest research on fire detection, suppression and notification systems from the U.S. Fire Administration. If

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Should I purchase earthquake insurance?

As nearly 80% of all the planet’s earthquakes occur along the rim of the Pacific Ocean, insuring against this peril is a responsible consideration. However, it would depend on your risk profile and financial objectives as to whether or not the purchasing decision is right for you. We will walk

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Do I have flood insurance?

In general, most standard homeowner’s insurance policies do not cover flooding. So since, anywhere it rains, it can flood, it’s important to have protection. If you believe you need flood insurance and your insurance carrier will not provide it, first contact Premier Private Client to discuss further or you may

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What is “floater” insurance?

A typical homeowners insurance policy contains caps on the amount you can recover in the event of an insurance claim. Items that are easy to move, such as art, electronics and jewelry, generally have caps at lower levels than their full value. A “floater” policy adds extra protection for your

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What is “course of construction” insurance?

Course of Construction insurance, also known as Builder’s Risk insurance, covers potential damages to a structure where it is presently being constructed. Damage from fire, wind, theft and vandalism are typically covered in most of these policies. The coverage can cover just the structure or extend to the materials on

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How much coverage do I need for my home?

Home insurance values are determined on a replacement cost basis. So the question becomes how much would it take to entirely rebuild your home in today’s market if it were wiped off the map? Many homes are insured based on values that are underestimated, especially homes that have undergone extensive

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