Please keep in mind that all Homeowners policies limit certain coverages.  For example, theft of jewelry is often limited to $1000.  Therefore, we recommend you consider scheduling your valuable personal property, such as jewelry, silver, fine arts, collectibles, computers, cameras and even your golf or other sports equipment.  The cost is quite reasonable and the protection is substantially broadened to include just about anything that might happen to your belongings.
 
Coverage for damage or liability as a result of Fungi, Wet or Dry Rot, or Bacteria  – often referred to as Mold Remediation Coverage - has been limited to $10,000 for damage to property and $50,000 for liability protection. You may purchase higher limits and we recommend that you contact us to learn more about this coverage limitation.
 
You may enhance your coverage with many additional options, such as Earthquake or Flood protection, Excess or “Umbrella” liability, increased limits for business personal property (medical equipment, medical library, home office), increased costs for demolition and building, or any other insurance need.  

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