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Your home probably represents a large share of your financial wealth. To protect your investment, you want dependable insurance protection at the best value. Homeowners insurance from JSW Insurance is the answer.
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We offer flexible, affordable coverage options to meet your needs from a number of well-known insurance carriers. In addition, you may qualify for a range of cost-saving discounts and credits.
Our superior protection of your home and contents includes these perils:
- Fire and Lightning
- Weight of Ice/Snow
- Glass Breakage
- Vehicle and Aircraft Damage
- Wind Storm and Hail
- Accidental Damage from Plumbing or Heating
- System including Freezing
- Accidental Electrical Damage
- Vandalism and Riot
- Falling Objects
- Theft
- Smoke
- Explosion
Protection for Personal Liability Against:
Claims for bodily injury on or away from your premises; Claims for damage to property of others; Medical expenses for guests (regardless of responsibility); or Fire Legal Liability.
Home, Contents and Liability Coverages
Homeowners insurance coverages for the following items:
- Dwelling/Structure
- Household and Personal Property
- Additional Living Expenses in the event your home becomes uninhabitable due to a covered peril
- Comprehensive Personal Liability
- Medical Payments to others
Optional Coverages
REPLACEMENT COST COVERAGE ON DWELLING
The basic policy insures the dwelling up to a limit selected by you. This coverage insures the dwelling to a specified amount, above the limit provided in the basic policy.
CONTENTS REPLACEMENT COST COVERAGE
This coverage insures personal property for replacement cost at the time of loss. It also increases the contents limit available.
SCHEDULED PERSONAL PROPERTY COVERAGE
Coverage is available to insure personal property (i.e. cameras, collectibles, etc.) at specific values for replacement cost at the time of the loss.
BUILDING ORDINANCE OR LAW (CA only)
A Homeowners policy may be endorsed to provide coverage against loss resulting from ordinances or laws regulating the construction, repair, or demolition of property enacted after the dwelling was built.
EARTHQUAKE COVERAGE
Loss due to an earthquake is not a covered peril under the basic homeowners policy. To ensure coverage for this type of peril. Earthquake Coverage may be purchased separately.
COMPREHENSIVE PERSONAL LIABILITY LIMITS
The basic homeowners policy provides a limit of $100,000 for Personal Liability Coverage. Increased limits are available if this optional coverage is purchased.
OPTIONAL COVERAGES
- Money; Securities
- Watercraft
- Loss by theft of jewelry, furs, firearms and silverware
- Key and lock Replacement if you have a theft of your property at home
- Land
- Loss to refrigerated food products caused by lack of refrigeration
Premium Savings Through Discounts
DEDUCTIBLE OPTIONS
A credit is given for deductibles you select that are higher than the base deductible.
NEW HOME CREDIT
A New Home Credit is applied for homes relatively new. The credit decreases as the insured dwelling ages.
PROTECTIVE DEVICE CREDITS
Credits are available for dwelling features such as burglary/fire alarms and sprinkler systems.
NON-FLAMMABLE ROOF CREDIT
A credit will be given for non flammable roofing material, such as tile, concrete, cement fibers, cal-shake, permatek or cemwood.
RENEWAL CREDIT
A credit will be automatically applied to the renewal premium for policyholders who are continuously insures with our company for at least three years.
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