Personal Insurance Checklist

Please check those coverages you would like to discuss or that you wish to confirm that you have on your policy and print/fax back to our office at 415-661-2540 or call us at 415-242-8777. We hope to hear from you soon. Thank you.

  • Homeowner’s Insurance

    The typical homeowners insurance policy covers the house, the garage and other structures on the property, as well as personal possessions inside the house such as furniture, appliances and clothing, against a wide variety of perils including windstorms, fire and theft. The extent of the perils covered depends on the type of policy. An all-risk policy offers the broadest coverage. This covers all perils except those specifically excluded in the policy.

    Homeowners insurance also covers additional living expenses. Known as Loss of Use, this provision in the policy reimburses the policyholder for the extra cost of living elsewhere while the house is being restored after a disaster. The liability portion of the policy covers the homeowner for accidental injuries caused to third parties and/or their property, such as a guest slipping and falling down improperly maintained stairs. Coverage for flood and earthquake damage is excluded and must be purchased separately

  • Condo Unit Owner’s Insurance

  • Renters Insurance

    A form of insurance that covers a policyholder’s belongings against perils such as fire, theft, windstorm, hail, explosion, vandalism, riots, and others. It also provides personal liability coverage for damage the policyholder or dependents cause to third parties. It also provides additional living expenses, known as loss-of-use coverage, if a policyholder must move while his or her dwelling is repaired. It also can include coverage for property improvements. Possessions can be covered for their replacement cost or the actual cash value that includes depreciation.
  • Dwelling Fire Insurance

  • Extended Replacement Cost on Dwelling

    Pays a certain amount above the policy limit to replace a damaged home, generally 120 percent or 125 percent. Similar to a guaranteed replacement cost policy, which has no percentage limits. Most homeowner policy limits track inflation in building costs. Guaranteed and extended replacement cost policies are designed to protect the policyholder after a major disaster when the high demand for building contractors and materials can push up the normal cost of reconstruction
  • Replacement Cost on Contents

    Insurance that pays the dollar amount needed to replace damaged personal property or dwelling property without deducting for depreciation but limited by the maximum dollar amount shown on the declarations page of the policy.
  • Building Code Upgrade Coverage

  • Scheduled Personal Property (i.e. Jewelry, Fine Arts, Silver)

    A list of individual items or groups of items that are covered under one policy or a listing of specific benefits, charges, credits, assets or other defined items.
  • Agreed Value on Scheduled Personal Property versus Actual Cash Value

  • Special Personal Property Coverage (Expanded Perils on Contents)

  • High Value Homeowner’s Coverage (HO-5) versus Standard Homeowner’s Coverage (HO-3)

  • Loss Assessment Coverage

  • Tenant’s Improvements and Betterments Coverage

  • Workers’ Compensation for Household Employees

  • Course of Construction Insurance

  • Personal Injury Coverage

    Portion of an auto insurance policy that covers the treatment of injuries to the driver and passengers of the policyholder’s car.
  • Liability Coverage Extended to Secondary Residences and Rental Properties

  • Volunteer Liability Coverage

  • Increased Limits of Liability Coverage

  • Earthquake Coverage

    Covers a building and its contents, but includes a large percentage deductible on each. A special policy or endorsement exists because earthquakes are not covered by standard homeowners or most business policies. Coverages and benefits listed above may be available at an additional charge, talk to us today to find out more.
  • Flood Coverage on Dwellings

  • Flood Coverage on Contents

  • Excess Flood Coverage

  • Personal Auto

    There are basically six different types of coverages. Some may be required by law. Others are optional. They are:

    1. Bodily injury liability, for injuries the policyholder causes to someone else.

    2. Medical payments or Personal Injury Protection (PIP) for treatment of injuries to the driver and passengers of the policyholder’s car.

    3. Property damage liability, for damage the policyholder causes to someone else’s property.

    4. Collision, for damage to the policyholder’s car from a collision.

    5. Comprehensive, for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.

    6. Uninsured motorists coverage, for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.

    Coverages and benefits listed above may be available at an additional charge, talk to us today to find out more.

  • Insurance/Uninsured Underinsured Motorists

    Portion of an auto insurance policy that protects a policyholder from uninsured and hit-and-run drivers.
  • Coverage Excess Uninsured/Underinsured Motorists Coverage

  • Increased Limits of Auto Liability Coverage

  • Waiver of Collision Deductible

  • Rental Reimbursement

  • Agreed Value Coverage on Autos

  • Auto Loan/Lease Coverage

  • Towing and Labor

  • Personal Umbrella Liability Insurance

  • Additional Locations on Umbrella Policy

  • Watercraft/Yacht Insurance

  • Recreational Vehicle Insurance

  • Aircraft Insurance

Download the checklist