Your
home is
one of
your
biggest
investments.
Don't
trust
this
important
decision
to an
unlicensed
or
out-of-state
person
over the
telephone.
Our
agents
live and
work in
your
neighborhood.
They
offer
rates
and
coverages
that
meet or
beat
most
companies
while
offering
prompt,
local
claims
service.
Talk
with
your
Johns
Insurance
Agency
professional
today
about
comparing
your
present
coverages
and
rates.
Basic
Coverages
Included
in
Homeowner's
Policies
Property
Damage
Coverage
-
"Property
Damage"
coverage
is
designed
to
help
pay
for
damage
to
your
home
and
personal
property.
-
"Other
Structures"
coverage
will
help
protect
your
detached
garage,
tool
shed,
and
other
unattached
structures.
Generally,
the
coverage
is
10%
of
the
amount
for
which
your
home
is
insured.
-
"Personal
Property"
coverage
helps
pay
for
a
loss
of
your
personal
possessions,
such
as
clothing,
furniture,
TV,
stereo
and
other
unattached
personal
items.
You
may
want
to
review
this
coverage
with
us,
to
make
sure
you
are
adequately
protected
in
this
area.
If
you
need
additional
coverage
for
higher
valued
items,
please
ask
us.
Personal
Property
Floater
A
homeowner's
insurance
policy
normally
provides
limited
coverage
for
collectibles,
jewelry,
furs,
etc. It
may be
necessary
to
insure
your
valuables
with a
Personal
Property
Floater.
A
Personal
Property
Floater
itemizes
each
item,
gives a
description
of the
item
insured,
and
lists
excluded
perils.
It
normally
provides
coverage
that is
broader
than the
coverage
in your
standard
homeowners
insurance
policy.
Please
ask us
if you
need an
evaluation
of your
risk in
this
area.
Personal
Liability
Coverage
Your
homeowners
policy
provides
Personal
Liability
coverage
to help
protect
you
against
a
non-auto
claim in
which
you were
at
fault.
Liability
coverage
in your
policy
covers
both the
cost of
defending
you and
damages
the
court
orders
you must
pay.
Liability
insurance
does not
have a
deductible
that you
must
meet
before
the
insurer
begins
to pay
losses.
We can
review
your
current
limits
of
coverage,
and help
make
sure you
have
enough
protection
in this
area.
Medical
Payments
Coverage
Medical
Payments
coverage
is
designed
to pay
for an
injury
to
someone
OUTSIDE
your
family.
It can
often
help
settle
"small"
injuries
outside
of court
before
they
become
BIG
claims
in
court.
This is
not
medical
coverage
for your
and your
family.
Additional
Living
Expenses
Where
will you
live if
your
home is
badly
damaged?
If move
into a
hotel or
apartment
for
awhile
because
of
damage
caused
by a
covered
loss,
your
homeowners
policy
will
normally
cover
the
stay,
subject
to
policy
limits.
