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Owning a home is part of the American Dream. Your house is more than just a valuable asset; it is a place you and your family call "home". It could be a house, condominium, apartment, vacation home or mobile home. Due to its value in your life, you should have a homeowner policy tailored to your specific needs that gives you a sense of security and protection at a competitive price. We do just that at Payne Financial Group.
We know that your personal treasures also need to be protected. Our partner carriers offer broad protection for the valuables in your home. Your policy comes with a package of value-added features ensuring that your home and personal treasures are fully protected.
Extended Replacement Cost
Extended Replacement Cost covers the cost of repairing your home if it is damaged in a covered incident – even if the cost exceeds your limits up to an additional percentage (i.e. 125% or 150%) – provided your home is insured for 100% of its replacement value.
Contents Replacement Cost
If you have a covered loss in which an item is destroyed or stolen, your policy will pay to replace the item up to the limits stated in the policy less your selected deductible. The difference between replacement cost and the actual cash value could be considerable.
Discounts
Clients can take advantage of discounts offered by our carrier partners:
- multiple policy discount (automobile/home insured with the same carrier)
- burglar alarms / fire alarms
- optional higher deductibles
- newer home credit
- mature homeowner credit
To review your current homeowner coverage or to find out more about homeowner insurance available through Payne Financial Group Inc., please contact one of our local personal insurance agents in your area.
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