Adam and Associates

QUESTIONS?

(808) 757-9464

HOME INSURANCE

Homeowners Insurance can be provided in various forms depending on the type of property, who occupies it and how often.


  • It can be for a single-family home that you reside in as the owner or the tenant.
  • It can be a condo or a townhome.
  • It may even be an investment property or secondary home.


Whatever the occupancy situation may be, there is usually an insurance policy to cover the home, its contents and the liability of the occupant.


It covers the:

  • Main Dwelling
  • Other Structures (i.e. detached garage or carport)
  • Personal Property (aka Contents)
  • Personal Liability
  • Additional Living Expenses (i.e having to pay rent elsewhere while you home is being repaired)


It Does Not Cover


  • Flood
  • Earthquake
  • Hurricane (unless available as an add-on)
  • Wear & Tear / Poor Maintenance

 

Coverage Limitations On


  • Camera Equipment
  • Collections (Coins, Stamps, Memorabilia and others)
  • Fine Art, China, High Valued Items
  • Guns/Firearms
  • Jewelry
  • Money and more

 

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