LIFE/HEALTH  Insurance

HOMEOWNERS POLICIES EXPLAINED.

HOMEOWNE​RS INSURANCE


 In addition to special coverage for jewelry, silverware, and furs, you can  purchase specific  coverage for such possessions as stamp or coin  collections, fine arts, camera equipment,  collectibles, watercraft and musical  instruments to name a few.

20411 Route 19

LaSalle Plaza, Suite #13

Cranberry Township, PA 16066


OPTIONAL COVERAGE

 .

HO2 Policy covers the basic perils of fire, lightning, explosion, smoke, hail, aircraft, riot, glass breakage, theft and damage caused by vehicles.  It also adds additional coverage to broaden your policy.  Those perils include damage caused by rupture of your water or heating pipes, falling objects (such as trees), collapse of the building, limited electrical damage to appliances and others.

HO3Policy is by far, the most commonly sold policy.  It covers everything the HO2 policy covers and more.  Instead of listing the perils that are covered, these policies cover all damage to the building except what is excluded.  The usual exclusions are:  wear and tear, termites, rotting, collapse of septic tank, flood, war, earthquake and a few others.

Some HO3 Policies are referred to as "Deluxe", "Special", "All Risk" policies depending upon the company

Most policies cover your contents or belongings only for the perils named in an HO2 Policy so wear and tear and normal breakage is not covered for your furniture and personal belongings.  

BE CAREFUL....YOUR HOMEOWNER POLICY LIMITS COVERAGE ON SOME ITEMS.


    BUSINESS  Insurance


We are licensed in the state of PA --  Copyright 2014  Creedon Insurance Services, LLC  All Rights Reserved


20411 Rt. 19, LaSalle Plaza, Suite #13

Cranberry Twp. PA  16066

Phone:  724.742.3855

e-mail:  info@creedoninsurance.com


Call Us Today

724.742.3855

        HOME insurance

 

     AUTO insurance

The coverage you have depends upon the type of policy you have.  Unlike auto insurance where the policies are pretty much the same, homeowners policies can be quite different.   We can help you determine which type of policy you need.

The most common types of homeowner policies
are:
  1. HO1 Basic or Standard Policy
  2. HO2 Broad Form
  3. HO3 Special (also called Deluxe, All Risk)
  4. HO4 Renters Policy
  5. HO6 Condo Policy

All homeowner policies are "package" policies.  You get a group of coverages packaged.

To keep the cost of insurance down, your policy probably has limits on certain items. Typical limits are:

  • Cash - $200
  • Jewelry - $1,000
  • Firearms - $2,500
  • Silverware - $2,500

​Check your policy carefully.  If you see you don't have enough coverage, just ask us how much it would c​ost to increase those limits or to buy special coverage.