Homeowners Insurance
The Allan Block Agency represents all the leading household names for homeowners insurance including Chubb, Chartis, MetLife Auto & Home, The Hartford, Travelers, Fireman’s Fund, Adirondack, Tower, Encompass and Progressive, among others.
At the Allan Block Agency, we can recommend the coverage that best utilizes and protects your assets.
Coverage provided under a Homeowner Policy
- Your home and other buildings on your property
- The contents of your home has full replacement cost coverage, with no deduction for depreciation
- Additional Living Expenses if you have to move out during certain repairs
- Personal Liability coverage provides protection if someone is accidentally injured while in your home, or their property is damaged and the damage is caused by
- You, your children or pets
- Your personal activities, including most sports
- Costs associated with defending you in a lawsuit related to an injury or property damage
Forms of Coverage
- Named Peril: 17 Perils listed. If loss is not included under one of the 17 perils, there is no coverage
- All Risk: Coverage for all losses except those specifically excluded in your policy. This form of coverage is much broader that the Named Perils coverage and most frequently purchased coverage
- Special Form Coverage, most widely known as HO3 Special form or Deluxe coverage provides a combination of All Risk coverage for the Building and Named Peril coverage for the contents
- Open Peril Coverage, most widely known as HO5, Deluxe-Deluxe coverage, provides all risk coverage for building and contents
Additional Coverage
- Mechanical Breakdown
- Flood
- Earthquake
- Green Endorsement
Your premiums are impacted by
- Construction
- Year built
- Updates to systems
- Distance to fire hydrant and fire dept
- Underground oil tanks
- Trampolines
- Type of dogs owned
