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Frequently Asked Questions
WHO CAN GET HOMEOWNERS INSURANCE?
- renters or owners,
- live in the city, the suburbs or the country,
- everyone
The Nurses Insurance company offers a range of
property insurance products and services. We insure people with nearly all
types of needs and property. From:
- apartments to mobile-homes to condominiums,
- two-plex to four-plex rentals,
- ranches to split levels to penthouses,
Ask yourself: If your home and personal
possessions were destroyed by fire. Would you be able to rebuild? Could
you afford to stay someplace else during reconstruction? Would you be able
to replace many of your belongings with new items? [back
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WHAT ARE MY CHOICES FOR HOMEOWNERS INSURANCE?
- Renters: designed for people who choose to
lease where they live.
- Condominium: coverage for condo owners.
- Deluxe Plus Homeowners: our most expansive
homeowners policy.
- Deluxe Homeowners: excellent protection,
but less coverage than Deluxe Plus.
- Deluxe Country Homeowners
:
if your home is on a mini-farm, this may be an option.
Standard Homeowners: Coverage for those
homeowners who don't need a more extensive plan.
Deluxe Select Value Homeowners: often
purchased by those who see a disparity between the market value and
replacement cost of their dwelling.
Standard Select Value Homeowners: less
extensive than Deluxe Select Value another option for people who see a
disparity between the market value and replacement cost of their
dwelling.
Residential Fire: Less extensive coverage
than the previous six options.
Landlords Package: tailored for a
non-owner occupied, 1-4 family unit rental property.
Mobile-home Deluxe or Standard:
specifically for mobile-home owners. [back
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That's not all. Nurses Insurance Company offers
property insurance products for homeowners who, for example:*
- have prior loss experiences, or
- live between 5 and 15 miles from fire protection.
And most of our homeowners policies include these
important coverages:*
- Dwelling protection,
- Protection for other structures, like a
detached garage, storage unit, or fence,
- Personal property protection covers
movable property
(not part of the real estate),
Family liability protection, and
Guest medical protection.
*These coverage's are subject to availability and
qualifications. Other terms, conditions and exclusions may apply.
Optional coverage's you can add: Your
home is as unique as you. So ask your local Colonial Insurance Services
agent about these optional coverage's to help meet special needs.
(Subject to
availability and qualification. Other terms, conditions and exclusions may
apply.)
- Building Structure Reimbursement Extended
Limits endorsement: In many states, we will pay up to 120% of the
Dwelling Protection coverage limit indicated on your Policy Declarations
page to repair, rebuild or replace your dwelling after a covered loss
(subject to policy terms and conditions).
Replacement cost coverage for many of your
contents
(subject to applicable coverage limits and other
policy terms and conditions).
Building codes coverage.
Loss assessment coverage.
Increased coverage on electronic data
processing equipment (computer).
Portable cellular communication systems
coverage.
Increased coverage on money.
Increased coverage on securities.
Extended coverage on jewelry, watches & furs.
Increased coverage on theft of silverware.
Fire Department charges
Lock replacement coverage.
Increased coverage on business property.
Business pursuits coverage.
Coverage for engaged couples (covers fiancée's
"insurable interest").
Earthquake insurance.
Satellite Dish Antennas coverage
Discounts/Savings: We might also have available property insurance
discounts.
- New or Renovated House Discount
- Fire Resistive Discount
- Protective Device Discount
- 55 or Older & Retired Discount
- Home and Auto Discount
Discounts are subject to availability and
qualification. Other terms, conditions and exclusions may apply. [back
to top]
WHEN SHOULD I HAVE PROPERTY INSURANCE?
From your first apartment to your dream getaway and
anything in between, at Nurses Insurance, we want to help protect you,
your family and all that you value. [back
to top]
HOW: Our Colonial Insurance Services agents are available today to:
- review your current coverage's,
- help you determine where you might have coverage
gaps and be at risk,
- explain Colonial Insurance's products & services,
- answer questions about your property insurance
contract,
- explain the discounts you may qualify for, and
- work with you to help you preserve your safety
and security or, if disaster does strike, help you through the claim
process.
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