Home Owner
ZIP CODE
HOME INSURANCE COVERAGE
How can you be sure you’re getting the right home insurance coverage for your home ? Here are some coverage descriptions that can help you get a better sense of your options. We’ve thought of everything for your house insurance, so you won’t have to give your coverage a second thought.
DWELLING COVERAGE
Coverage A

This coverage protects your home and any structures attached directly to it. Ideally, the amount of home insurance coverage you carry should equal the cost of rebuilding your home after a total loss.
OTHER STRUCTURES
Coverage B

This covers separate structures on the residence premises, such as a detached garages. This home insurance coverage applies up to the limits provided in your policy and can be increased if necessary. Most policies automatically provide a limit equal to 10% of your dwelling coverage amount.
PERSONAL PROPERTY
Coverage C

This coverage protects your personal belongings, such as furniture, clothing and appliances. Certain possessions may be excluded or have only limited coverage. You can also purchase additional coverage to provide enhanced protection for valuable items and other special possessions.
LOSS OF USE
Coverage D

This coverage is available when you cannot live in your home due to a covered loss. It pays reasonable and customary living expenses up to the limit provided in your home insurance policy.
LIABILITY
Coverage E

This coverage protects you in two ways. First, it provides for your legal defense against a liability claim (lawsuit). Second, it will pay any court judgments for covered losses against you, up to the policy limit.
MEDICAL PAYMENTS
Coverage F

This coverage pays emergency medical bills for anyone injured on your property or any injury caused by a member of your family or a pet regardless of where it happens. All bills are paid, up to your home insurance policy limit, whether or not you're legally responsible.
HOME OWNER
INSURANCE
No place in the world is as precious as your home. our homeowners insurance can help protect its value to you by helping you choose coverage that fits both your budget and your priorities. So you can sleep soundly, knowing your home is protected.

Homeowners insurance protects you in case of damage to your dwelling or property, injury to your guests, or events for which you may be held liable for injuring another person or damaging their property. A typical homeowners insurance policy contains these standard coverages and may provide you with options to purchase additional coverages. You may also request an increase in limits if you’ve renovated your property, or have special possessions like art, jewelry or other collectibles for which you’d like extra protection. Choose the policy that’s right for you, with our help.
OUR HOMEOWNERS POLICIES CAN COVER
* Damages to your home physical structure

* Damages to other stru-ctures like garages or sheds

* Your personal belon-gings, whether they're in your home or elsewhere

* Temporary living ex-penses in the case your house becomes uninha-bitable due to a covered loss

* Your personal liability in the event someone is injured or their property is damaged
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Los Negociadores
The Negotiators Inc.

T.(310)329-9992
F. (310)329-9876

1900 Marine Ave
Gardena CA 90249



www.thecarnegotiators.com
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www.lnis.net



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