Good maintenance practices help protect the value of your home. Spring and summer are an ideal time to assess damage from the winter and make necessary repairs to prepare for the months ahead.
We want to make protecting your greatest investments easy!
Coastal American has created a program that gives the customer the flexibility to select customized coverage limits, deductibles and enhanced coverages.
Our homeowners policy provides coverages for:
This is the portion of your policy that covers the cost to repair or rebuild your home after it has had damage due to a covered peril/loss.
This provides coverage for other structures on your property that are not connected to your dwelling. (Detached sheds &/or garages for example).
This coverage will help to pay to replace or repair your personal belongings if they are stolen or damaged due to a covered peril/loss.
This will provide coverage for additional living expenses that you incur if your home is not livable due to a covered peril/loss.
This is the section of the policy that protects you from expenses that occur from lawsuits or judgements brought against you when you are legally liable for bodily injury or or damage to someones personal property.
This is the part of the policy that will pay the necessary medical expenses of an individual other than the insured for injuries that occurred at the insured location, regardless of fault.
Specified Additional Amount of Insurance for Coverage A/Dwelling
Personal Property Replacement Cost Coverage
Limited Water Back Up and Sump Discharge or Overflow Coverage
Increased Ordinance or Law Coverage
Scheduled Personal Property
Flood loss is devastating and the potential for flood loss exists anywhere that it rains.
Coastal American is a WYO Flood Insurance provider with the National Flood Insurance Program (NFIP)
Building Coverage
Electrical and plumbing systems
Furnaces and water heaters
Refrigerators, cooking stoves, and built-in appliances like dishwashers
Permanently installed carpeting
Permanently installed cabinets, paneling, and bookcases
Window blinds
Foundation walls, anchorage systems, and staircases
Detached garages
Fuel tanks, well water tanks and pumps, and solar energy equipment
Contents Coverage
Personal belongings such as clothing, furniture, and electronic equipment
Curtains
Washer and dryer
Portable and window air conditioners
Microwave oven
Carpets not included in building coverage (e.g., carpet installed over wood floors)
Valuable items such as original artwork and furs (up to $2,500)