Ifft & Palmer understands homes of all types and ages: condos, co-ops, town homes, and custom built. We also know that your home is an emotional as well as financial investment. It’s your safe haven. It’s where you bring up your family and make memories that last a lifetime. If anything disastrous should happen to it, we realize that you’d want to rebuild your home just as it was before – with the same quality and character as it had. Not all policies can do this.
Whether you are buying insurance on your first home or the home of your dreams, Ifft & Palmer will help you protect your most prized possession with homeowners insurance that fits your budget and your priorities. Our agents will provide you with a comprehensive list of options to protect your home so that you can make an educated decision on coverages tailored to fit your needs. We would be happy to provide an analysis of your needs. Give us a call at 412.471.0500 or simply drop us an email at: firstname.lastname@example.org
Coverage for your home and permanently attached interior/exterior fixtures. Attached porches, decks, and garages.
Usually 10% of the dwelling. Automatically included regardless if there is a detached structure or not. There is no charge for this coverage since it is automatically built in.*
Everything that is not attached to your home. Curtains, drapes, throw rugs, pots, pans, free-standing appliances, clothes, shoes, etc.
Loss of Use:
Pays if you cannot stay in your home because it is uninhabitable due to a covered loss. This amount varies by carrier.
Medical payments to others:
Slip and fall coverage. Pays for medical bills; no questions asked if someone falls or gets hurt on your property or at a function hosted by you.
Protects you and household members against a claim or lawsuit resulting from your negligence.
Other recommended coverages that may not be included under your home policy:
– additional dwelling replacement cost
– personal property replacement cost
– water back-up (highly recommended – even if your basement is not finished)
– ID Theft
– scheduling valuables
– personal injury (pays for libel, slander, false arrest, defamation of character)
Remember – most policies do not cover damage from mine subsidence, flood, earthquake, and sinkhole.
The information contained is for illustration purposes only. It is not a legal contract, and is not a substitute for anyinsurance policy(ies). The actual policy(ies) terms, conditions, limits and exclusions will govern in the event of a claim.
* Guaranteed replacement cost coverage
* Extended replacement cost coverage
* Building code upgrades coverage
* Automatic inflation guard coverage
* Content replacement cost coverage