Fire Insurance

Your home is probably your most valuable asset.  But we know that it is more than just an asset, it is your home – where memories are made.  This is where you live, relax, and raise your family.  At Campbell & Haliburton, myCH, we’ll help you protect it.

How Much Insurance Do I Need?

Knowing the amount of fire insurance you need can be confusing.  Generally, you should insure your home for the cost to rebuild it if something happened.  This may, or may not, be what it would sell for today (market value).  At Campbell & Haliburton, myCH, we will help you determine what it would cost to have your home rebuilt should the unthinkable happen.  We have tools that can help you determine the cost to rebuild so that you can be properly insured.

What Kind of Insurance Do I Need?

Fire Insurance packages are not one size fits all.  We all have different needs and different budgets.  At Campbell & Haliburton, myCH, we will help you figure out the best home insurance for you.  Confused by terms like Prestige, Broad Form, or Comprehensive Insurance?  We’ll explain this to you in ways that will make sense.  Plain talk you can understand – not insurance speak.

Fire Insurance Components

Your Home

Replacement Cost and potentially Guaranteed Replacement Cost

Sewer Back-up and Overland Water Protection

Service Line Coverage

Equipment Breakdown Coverage

Building Bylaws Coverage

Your Personal Belongings – everything from couches to clothing and toothbrushes to TV’s, and coverage for special items such as:

o   Jewelry

o   Boats and Motors

o   Bicycles

o   ATVs

Additional Living Expenses

Personal Liability Insurance

Discounts – How do I save money on my insurance?

Age

Security Systems

Credit Scoring

Deductibles

Being “mortgage free”

Being “claims free”

The Fine Print

This is a summary.  All fire insurance policies contain terms, limitations and differences.  We understand them, and we’ll walk through them with you.  For all of these coverages there are limitations and exclusions.  And in all cases the actual insurance policy wording is what will be used in the event of a claim.  While we are not writing each and every exclusion here, we do have the wordings and will make sure that you are not just given a copy of the them, but also that they’re explained to you before you purchase, and more importantly before there is a claim.