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Real Estate Show Place Aug Home insurance need not be confusing or expensive golf lull The personal door destrojing he liabllll insurance would pro- hours l found sou think can afford it ml be bothered trying to future it all out Maybe you juM dun like But maybe your house ml burn down tomorrow or i truck will mil into It other inconceivable disaster will happen Gin you afford take the risk not really confusing and not that expensive tor little more per year you can get coverage that will protect your and contents against practically any eventuality The type of policy you want is the first thing to decide Basically there arc four kinds of policies The first is fire insurance which not only protect- the house and per possessions from loss or damage by fire but also includes loss or damage caused by explosions ailing objects impact by vehicles lightning not water escape vandalism windstorm and smoke damage The second more compre hensive policy is the home owners risk free package policy which covers all the above plus theft and personal liability The third policy is for those who rent their homes and covers the contents of the house not the building itself since that is the owner res ponsibility It includes legal liability insurance This is coverage for the tenant a responsibility for fire explo sion and smoke damage to the property The fourth type of policy is for condominium dwellers AH risk packages lor Examples of things covered by this kind of package that standard fire insurance may not Include are smoke damage caused by the fire place or damage caused by someone backing his car into the garage door The package policy means hat the homeowner can be sure BO per cent of the time that he is covered To further encourage to go for the all risk package it differs In price only about per from the standard policy Standard coverage on a home for example could cost about but for the extra the all risk would be available However many more factors hat could vary this price must be taken into con There arc a till loopholes Some of the things that in sura nee companies do not cover are war vermin radio active contamination earth quakes and industrial pot lution course Hut don forget a the swimming pool it loo is covered under Hie owners policy including fencing and ornamental lighting he inn thing goes for permanently install pituis and since alt are part of the main building tit in he house are included under the pack age policies but are covered only fire and ix tended coverage perils in the standard fire policies In most eases television antennae are insured except for windstorm damage which you can get by pajlng In the homeowner policy plants trees and shrubs are insured up to for each inditidual item cm it age is for fire and vandalism does not cover theft windstorm smoke water and falling objects are not covered under the policy Now about the contents of the home- Under the standard fire policy personal ess tons are covered for fire The package policies include of these items which is port ant because they can easily be carted When insuring the contents of the house an inventory list must be made for the company listing the values of your things The company can pro don forget anything Then there arc the extras For an additional small pre items such as furs jewellery paintings and so on can be insured individually Some policies even include these but only to a set limit Other items that ore usually included in a home owner package policy in elude money and securities up to worth a boat and motor up to and pels unless they are stolen or killed by a vehicle these extra insurance may be desired The personal liability coverage that comes along ith the homeowner package policy could be llfesavcr It protects policy holders against financial losses that may arise out of their legal negligence or careless acts to Both the policy holder and members of the mediate family are covered The Insurance Bureau of Canada offers the following ways in which personal liability would cover ihe homeowners Injury or death oilier on property If a visiting delivery man for example slips on he icy steps Ihe homeowner may be held legally responsible for in juries or other expenses arising out of the accldcnl file insurance covers policy holders in this instance Injury or death others off the properly This would include a situation whereby say the policy owner ran into someone with his or accidentally struck someone Jam lo properts holder would covered other- I- or example says the Voluntary In IlK the- policyholder is order to avoid financial dis burning Iciues in his back pules over minor injuries or and the fire spreads next damage between the policy legally responsible the policy of company lability for injury to help such as a or babysitter is covered under the- liability pohev as well It covers legal fees I hal said homeowners should Ik- made aware of two more loopholes that could Hum as they have- man others lilt homeowner is Continued on page b ESTATE BROKER ERIN 48000 BRICK HOME prnsontly and your paymonl This no homo can cat 1 be a Ichan and living loom lull I IK SCENIC VIEW io will washroom foyer sins loom PRIVATE PARK El dispby Ijnd scaping Mined tort I no ponds I iddcn away lei you your own icy 15 bedlam homo bail no study and rooms 32 bam loft tour bo and EXCELLENT VALUE ONLY FOR RENT WE HAVE MANY MORE LISTINGS FOR MORE INFORMATION ON PROPERTIES IN THIS AREA CALL US TODAY