Your dwelling is the home you live in – it could be a mansion, a hut, a bungalow or a split-level ranch. Regardless, the price you paid for your home or what you could sell it for in today is not the amount you would insure it for. Cato Insurance Group will determine what it will cost to replace your home if it became unlivable, whether due to a hurricane, fire or other peril.

Loss of use
Loss of use covers living expenses if you cannot live in your home while repairs are made or you are denied access by a government order.

Other structures covered by your homeowners policy
Examples of these include detached garages, storage sheds and fixtures attached to the land such as fences, sidewalks, patios, and retaining walls. If you have a screened-in pool, you should be aware that many carriers don’t insure pool cages unless you request it.

Personal property
Personal property covers the contents of your home and other personal items owned by you or family members who live with you. That would include furniture, electronics, household items and the like. Some policies have coverage limits, but extra coverage is available by adding endorsements to your policy. The policy can be based on actual value or replacement cost. You’ll want to be sure you are getting replacement cost.

Liability Insurance
Liability Insurance provides coverage against a claim or lawsuit arising from bodily injury or property damage to others caused by you or family members on your property or elsewhere in the course of your activities. We will help you determine how much liability insurance you need to protect yourself against unfortunate events. We also offer a Personal Umbrella policy that will provide coverage for higher amounts and additional claims.

Medical Coverage
Medical coverage pays for medical expenses for people who are accidentally injured on your property.

Flood Insurance
Please be aware that flood is not covered under your homeowners insurance policy.

Have questions? Please call the insurance experts at Cato Insurance Group at 1-888-775-CATO (2286).