INSURANCES / TAX PREPARATION SERVICES
HOMEOWNERS INSURANCE (for new or old homes)
Basic Homeowners Insurance includes the following:
Dwelling: Pays for damage to your house and any outbuildings, such as detached garages
and storage sheds.
Personal Property: Pays when household items, including furniture, clothing and appliances,
are damaged, stolen, or destroyed.
Liability: Protects you against financial loss if you are found legally responsible
for someone else’s injury or property damage. A homeowners policy automatically
provides $25,000 in coverage.
You can buy up to $1 million in coverage for an extra premium.
Medical payments: Pays medical bills for people hurt while on your property. It
also pays for some injuries that happen away from your home, such as your dog biting
A basic homeowners policy pays $500 in medical bills. You can pay extra and get
up to $5,000 in medical payments coverage.
Loss of use: Pays living expenses if your home is too damaged to live in during repairs.
The most common policy pays up to 20% of the amount for which your house is insured.
In case of fire, lightning, aircraft & vehicles, vandalism, malicious mischief, theft,
explosion, riot & civil commotion, smoke, windstorm, hurricane & hail, sudden and
accidental water damage.