We are able to discuss the home in detail to help you calculate an appropriate ‘reconstruction’ value. Mountain Lakes is dedicated to walking with you step by step through the process of getting a homeowner’s insurance policy for your home. Medical Expense– specific limit should a guest be injured on your propertyĮxceptional Experience in Homeowner’s and Renter’s Insurance. Liability– coverage if someone is injured or their property is damaged due to your neglect.Loss of Use– allotted for living expenses should you need to reside somewhere other than your home during a repair/rebuild due to a covered loss.Personal Property– coverage for all the belongings inside including: furniture, clothing, appliances etc.Other Structures– coverage to any additional structures on the property that are not attached to the dwelling (sheds, detached garage, pool).Dwelling– portion that is covering the structure itself.Homeowners insurance has several major components, including: Mountain Lakes represents several carriers that can customize a policy to meet your property needs.
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