Davis Insurance

The home portion of the policy includes the physical structure as well as appurtenant structures like a detached garage, or other outbuildings. It can also include fences, tool sheds, decks or other appurtenant structures.

Contents include any items inside the home. Typically this encompasses furniture, appliances, clothing and any other items in the home of a personal nature. Your personal belongings are also covered while away from your home, but for less. Typically, the away from premises amount is 10% of your contents limit. Business property is limited. Typically business property in the home is limited to $2,500 and away from the home $250.

The "perils insured against" provides the type of losses covered by the policy. Most basic policies provide fire, lightning, windstorm, theft and vandalism coverages. These are called "named perils" because it is up to you to prove to the company that one of these specific occurrences caused the loss.

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