Darren Gantz Insurance & Retirement

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Interpreting your homeowners policy
It's hard to review a policy that tops 20 pages. Much of it reads like legalese, but it's still important to understand. Here are a few areas to focus on when considering your homeowners coverage and limits.

Start with your declarations page

Your declarations page summarizes your homeowners coverage, and it appears on the first few pages before the contract language. The declarations (or "dec") page lists your coverage types and limits (the maximum amount the insurance company will pay you in the event of a covered loss), such as:

Dwelling (coverage A)
protects the structure, like your roof, flooring or other materials
Other structures (coverage B)
protects things not attached to your home, like a fence or shed
Personal property (coverage C)
protects your personal property and moveable things in your home, such as appliances, clothing, jewelry or electronics
Loss of use (coverage D)
reimburses your expenses if you need to live elsewhere after a covered peril
Personal liability (coverage E)
helps with property damage and bodily injury claims made by other people that you're legally obligated to pay
Medical payments (coverage F)
helps with medical expenses for bodily injury to other people that happened while on your property
You might have more (or less) coverage than appears on your declarations page, so make sure to review your policy with your agent.

Doctor's needs for insurance are similar in their business as yours. So when you need Malpractice, General Liability, Property, Casualty, or Employee Benefits think Darren Gantz. Serving Oklahoma for over 22 years.