Question 1

What is a deductible?

Accepted Answer

A deductible is the amount you’re responsible for in the event of a covered loss. In most covered loss cases, you are responsible for any amounts up to your deductible level and your insurance would cover anything beyond that up to your coverage limit. For example, if you select a $1,000 deductible and have a $4,200 covered loss, you would receive a claim payment of $3,200 after deducting the $1,000.

A homeowners deductible applies to each claim. If you have more than one claim in a policy period, you will be responsible for the deductible amount for each individual claim regardless of the number of claims you have during that policy period.

Question 2

How can I make sure that I have coverage for my valuables?

Accepted Answer

There is limited coverage available for your valuables. In most cases, you may want to consider purchasing a Personal Articles Floater, which provides coverage for your personal articles, such as jewelry, furs or fine arts, when their value is higher than the limits stated in your policy.

Question 3

How can I make my home safer and possibly save money?

Accepted Answer

Homeowners who guard against theft, accidents and other losses can often get lower insurance rates and policy discounts. Here are some things you can do to help qualify for lower premiums:

• Secure your home with dead bolts and window locks.
 • Install a security system with an outside signal and connection to local police.
 • Install and maintain smoke detectors.
 • Install a sprinkler system for fire.
 • Install a fire alarm that automatically alerts the local fire department.
 • Stop smoking.
 • Keep walks and entrance ways clear of snow and ice.
 • You may also qualify for discounts on premiums when you buy both homeowners and auto insurance.

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