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McElhoes & Duffy offers many forms of home insurance policies. Two of which are, Broad and Comprehensive. The coverage under both policies is the same for your home (all perils ) i.e. fire, lighting, explosion, falling object, riot, wind, hail, vandalism, smoke, water escape, theft from vehicle, vehicle impact, accidental damage you do to your own home plus mysterious disappearance. The Comprehensive policy covers your personal property the same as your home (all perils).
Under the Broad policy your personal property is covered for (named perils) fire, theft, vandalism. Smoke, hail, water escape, theft from vehicle, vehicle impact. There is no coverage for accidental damage or mysterious disappearance under a Broad policy.
In Home Business Programs
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Broad Homeowners
Coverage includes:
- Replacement Cost insurance on building, outbuildings, personal property and additional living expenses
- Comprehensive Personal Liability
- Features Include:
- All Risk Building
- Named Perils Contents
- Sewer Backup, Sump Pump Failure available
- Discounts (may vary based on insurance company)
- Non Smokers
- Age 50 Plus
- Alarm Systems
- Increased Deductibles
- New Home
- Mortgage Free
Home Based Business Extension Available
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Comprehensive Homeowners
Simply our best!
Coverage includes:
- Replacement Cost insurnace on building, outbuildings, personal property and additional living expenses
- Comprehensive Personal Liability
- Features Include:
- All Risk Building and Contents
- Spills and Stains
- Rips and Tears
- Accidental Damage
- Mysterious Disappearance
- Sewer Backup, Sump Pump Failure available
- Discounts (may vary based on insurance company)
- Non Smokers
- Alarm Systems
- Mortgage Free
- Increased Deductibles
- New Home
- Age 50 Plus
Home Based Business Extension Available
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In Home Business Programs
Simply our best!
Coverage includes:
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Limit of coverage |
| Business Property |
$10,000/25,000 |
| Computer & Software |
10,000 |
| Property in Transit or Temporarily off Premises |
5,000 |
| Accounts Receivable |
5,000 |
| Valuable Papers |
5,000 |
| Loss of Business Income |
Actual Loss Sustained |
| Weekly Income (Disability) |
2,500 |
| Liability: including Products/Completed Operations |
2,000,000 |
| Tenants Legal Liability |
25,000 |
| Money & Securities |
1,000 |
Coverages outlined are for information only. All terms and conditions shall be governed by the Master Policy.
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