Homeowners Insurance: Buying a home is an accomplishment and one of the most important investments you will ever make. Protect your home, family and possessions by purchasing homeowners insurance with Lake Insurance.
Our dedicated agents are ready to help you determine what coverage is right for your dwelling and property in case the unexpected occurs. You can rest easy in your home knowing you are covered properly. We are committed to customer service and our knowledgeable agents will make sure your policy is issued with every possible discount available.
When your policy renews at Lake you can rest assured you will continue to get the best rate possible. Allow us to do the shopping for you. We work with an extensive list of companies which enables us to get you the lowest rate out there. Let us analyze your current policy today at NO CHARGE! Just give us a call!
Dwelling (Coverage A) is the amount that the dwelling is insured for. Our policy will give you an Extended Replacement Cost feature to give you added protection.
Other Structures (Coverage B) will provide coverage for structures on the property but not connected to the main dwelling, such as a tool shed or detached garage.
Unscheduled Personal Property (Coverage C) The contents of your home is insured on a replacement cost basis. This would include furniture, appliances, clothing and anything that you would move into the home after purchase of the home. There is some personal property that is limitied under the standard policy and should be covered under a Personal Articles Floater. These items include but are not limited to money, jewerly, firearms, artwork and antiques.
Loss of Use (Coverage D) When a loss occurs due to a covered peril and the dwelling becomes uninhabitable, the cost of additional living expenses could be overwhelming. Reimbursement of any additional living expenses would be insured under coverage D of the policy.
Personal Liability (Coverage E) The Personal Liability section provides personal liability coverage against a claim or lawsuit resulting from accidental bodily injury or property damage to others caused anywhere in the world by an insured. Coverage E does not provide protection for auto or business related incidents. This coverage protects you and all family members who live with you.
Medical Payments to Others (Coverage F) helps cover medical expenses for third parties that you may feel morally responsible but not legally obligated to pay although you do not have a legal obligation.
