Insurance Solutions

Capstone Insurance Group

Your home is typically the most expensive asset an individual owns, and if destroyed, would leave you in great financial hardship.

Homeowners insurance combines various personal insurance protections, which can include: losses to one's home, its contents, loss of its use, or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy’s territory.

A typical homeowners policy will cover eleven types of disasters, including explosions, riots, wind, aircraft, fire, lightning, volcanic eruptions, auto accidents, vandalism, theft, smoke, and structural accidents. Different policies include condo insurance, which would protect only the interior of the home, including the sheetrock walls, light fixtures, and cosmetics of the home, but not the foundation or structural elements. Many home insurance policies tend to include the basic disasters, but some may be extended to cover a wider range, like water damage from inside source (i.e. burst pipes), and electrical problems, like a power surge damaging a computer or other electronic device.

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