Baker's 

Insurance Financial Warranty

DQS 90 NO Credit Check

Smith Motors Auto Sales

 Group of Companies

 

              

              Protecting your investment where it counts

Guards a policyholder’s physical residence and its contents against loss or damage from perils such as fire, flood, theft, vandalism, hurricane, hail and lightning. It also covers an individual’s legal responsibility (liability) for any injuries people might suffer while on the covered property. The main types of Home and Property Insurance are: Homeowners Insurance, Mortgage Indemnity Guaranty, Mortgage Insurance, Title Insurance, Excess Liability Insurance and Excess Flood Insurance.

Protecting Your Investment

Our Dwelling policy provides coverage for specific named perils. These perils are fire, lighting, explosion, windstorm, hail, riot or civil commotion, smoke, volcanic eruption, aircraft and vehicles owned by others. It is important to remember that a Dwelling policy is not as broad as the normal HO3 Homeowners policy. The HO3 policy covers all events unless specifically excluded.

Our Dwelling policy provides coverage on an Actual Cash Value basis in the event of a loss. This means we will pay the actual cash value for the home or other structures that are destroyed or damaged due to a covered loss. We also provide coverage for fire department service charges up to $500 and for reasonable repairs to prevent additional damage from a covered loss.

Additional Coverage Options

You can customize your policy with the coverages below.

Personal Property

Personal Liability

Burglary

Additional Living Expenses

Premises Liability for Rental Properties

Fair Rental Value Coverage