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ro Most homeowners have a lot of money invested in their personal possessions and property. In order to protect their investment, homeowners should buy a home insurance policy. Home insurance provides a service that protects through such misfortunes as fire, or theft. It can also protect you from financial loss arising out of bodily in- juries to others and damage to their property. Such losses, which would other- tect ber 7, 1989 -- 3 A Sr wise come out of your own pocket, are paid out of the total pool of home insurance premiums. There are four main policies: 1) the fire in- surance policy, 2) the stan- dard homeowner's package policy, 3) tenant's package policy and 4) the con- dominium unit owner's policy. Let's look at the standard homeowner's policy coverage. This package is designed for owners of dwellings against loss or damage by fire, loss or damage caused by explo- sion, plus theft and personal liability. One premium is paid for the overall coverage. Additional coverage for cottages, boats, outboard motors, jewellery and other valuables may be added for an additional premium. The policy insures the personal property of all relatives living in the household, including the your investment with wife or husband, and the property of any persons under 21 who are in the care of the policyholder. While most insurance companies take a liberal view of un- married couples living together; to avoid problems it's best to have each person named as insured in the policy. Your policy also covers the personal proper- ty of others (except roomers or boarders). Of course, certain perils are not insured in home in- surance policies; such as war, injury caused hy you, wear and tear. In some policies, however, you can get additional insurance coverage against mysterious disappearance of personal property, or breakage of fragile articles. Make sure if your dwell- ing is going to be vacant (empty) you inform the in- surance company within 30 days of the vacancy. Van- dalism and malicious acts coverage are usually Insurance discontinued for obvious reasons. If your dwelling is unoccupied (it still contains household goods, no-one is living in it, but there is an intent to return), there is no coverage for damage caus- ed by freezing after four days, unless arrangements have been made during the usual heating season to have a competent person maintain the heating. Because the standard homeowner's insurance (Turn to page 6) pa ---- MARGARET JOHNSTONE 144 QUEEN STREET, PORT PERRY Res, 708 2281600 «MW Chances are we're going addline) \ ors to sell your house. 5-4427 COTTAGES -- = Cod! An mternational network Why not call us first? aes " 8 of independent member brokers. RO Soars 08 +%49,500. - *59,500. Western exposure, full fur- nished, two available on waterfront with land lease terms. For information call today. TAMMY SILVERMAN Res.: 985-0690 TWO YEAR OLD CUSTOM BUILT RAISED BUNGALOW overlooking Lake Scugog, only 10 min. from Port Perry on Scugog Island. Beautifully tree lined 75 x 200' lot, 2 car at- tached garage. Three large bedrooms, master ensuite bathroom, eat-in kitchen with European dutch oak cupboards (and lots of them). Walkout off of diningroom, and much more at $209,000. ROBIN TIMMINS ... Res. 985-0690 CASTLE HARBOUR -- $419,000. This 2400 sq.ft. home features 3 plus 1 bedroom, office, 2Y; car garage up, 4 car down; beautiful view of lake and town. This 'home has too many features to list. For more details please call. VILLAGE CHARMER Come and see this love- ly two bedroom Port Perry home in charming "Victorian Village". Efficient floor plan and fine workmanship together with the right price, makes this an excellent choice. . » JUST LISTED (PORT HOOVER) This 1200 sq.ft. home is located on 20 acres of land just steps from lake. House needs T.L.C., land is 10 acres clear and balance bush. This is a bargain at $235,000. DON HARPER Res.: 985-3159 HONEY'S BEACH 3 bedroom raised bunga- LYNDA KENDRY Bus.: 985-7361 Res.: 985-9268 100 + - ACRES north of Port Perry. Over 1/2 low with large lot and pav-- WISHING FOR mile paved road frontage, 2 streams and 20 | ed drive, fieldstone WATERFRONT? acres of bush. Won't last long. Permits { fireplace, double garage, A HOME TO ENJOY available at $189,000. beautiful view of Lake * ALL SEASONS? * WHY PAY RENT? This 4200 sq.ft. industrial - building has 4 bays, 16' ceilings, 900 sq.ft. of office space. You can have your own shop and office and the rest is rented. Good income, possible V.T.B., asking $299,900. For more details on the once in a lifetime investment, call me today. Tomorrow may be too late. NEED AN INVESTMENT Manilla, 82' of Hwy. 7 frontage, 225' deep (approx.), very old 1; storey house that requires extensive work. Strictly land value at $79,900. Call me today. JUST LISTED 82 Heath Crescent in Port Perry. This 4 plus 1 bedroom home is situated on a half acre in town serviced lot. It features walkout from main floor family room, finished rec room, central air, large eat-in kitchen, 5 SPL a al ; : finished basement, master bedroom with walk. gE. PEE in closet and ensuite. This home shows to perfection and can $279,900. Call me tod BETTER THAN NEW! Immaculate 3 bedroom bungalow - walkout from eat-in kitchen to new decks and fully fenced yard. Home completely redecorated in past year - new vinyl windows throughout. Finished family room with airtight downstairs as well as potential 4th bedroom; "large laundry /furnace room. Shared docking' facility and park with lake access. $224,900. Flexible possession. } Scugog. Just listed at $229,900. Call Don This contemporary Viceroy Harper to view. home on Carnegie Beach offers it all to the recreationally minded fami- ly. Sunken living room with fireplace, 3 walkouts from main floor to octagon above- ground pool with, wrap-around deck. Family room and extra bedrooms in basement. Fully insulated 24 x 24' garage with 500 amp. elec- trical i A HOME FOR THE PROFESSIONAL This uni- que 3 bedroom home offers you the host 5 pc. ensuite bath, jacuzzi tub in rec room, an out- door hot tub, weight room or exercise room, A/C, intercom, 2 fireplaces plus much more! This home is nestled in amongst large, mature pine trees with over an acre to roam. The ven- dor offers this home at a listing price of $525,000. Showings are by appointment only. hy CEES 3 Gor [od be bought for only ay. Due to our growth, we have been obliged to change our main telephone number. 985.4427 WATERFRONT -- SCUGOG ISLAND Two bedroom home with full basement, aluminum soffits and eaves. 22 x 22 ' garage/workshop. Quiet setting, ideal starter or retirement home, listed at $169,900. Don't delay. 4 eS ------ a