Since 1981, we’ve been providing the kind of stability, protection and value you
look for in an insurance company. Your home is one of your largest investments.
Shouldn’t the insurance that protects it be chosen wisely?
We at the Cotgreave Insurance Agency take seriously the responsibility of providing
you with exceptional coverage at a competitive price. Isn't it worth a few moments
of your time to consult with one of our valuable homeowner policy experts to make
sure you have the correct coverage?
Valuable Articles Program
Are your valuables well-protected? Do you own fine jewelry, furs or silverware?
... Possess a musical instrument or camera? ... Play golf? ... Collect fine arts,
coins, stamps, or even firearms?
Like your home, your valuable articles deserve special insurance protection. Your
homeowners policy does provide some coverage, but it may not be enough. Valuable
Articles Coverage can help ensure adequate protection for those more expensive and
prized possessions by extending coverage limits.
Property Protection
Covers the loss of, or damage to, buildings and personal property. Coverage extends
to structures such as detached garages and sheds, and can be adjusted to accommodate
their value. Coverage for personal property that is off premises can be increased
to suit individual needs. Coverage is available from a basic “named peril” basis
to broadened “all-risk.”
Liability
Covers actions of the insured and relatives residing together for which they may
be held legally liable, both on and off the premises. This coverage extends to both
resident premises and personal action claim situations. Claims for damage to the
property of others and medical expenses for injuries to others on your premises
also are included as part of this protection.
Additional Protection
available at a minimal cost, includes:
- Dwelling Protection Extended Limits Endorsement - Provides for increased coverage
to the primary dwelling should the replacement cost exceed the insurance amount
at the time of loss. Dwelling must be insured to value.
- Personal Property Replacement Cost Endorsement - Provides protection for the full
cost of repair or replacement, without deduction for depreciation and regardless
of inflation.
- Homeowners Extension PAC and Premier Extension PAC - Provide property and liability
coverages and limits beyond those contained in the standard homeowners policy.
- Home Computer Coverage - Provides additional coverage for your hardware, software
and media for both personal and business use.
- Personal Floater - Adds or expands coverages and gives you extra protection for
valuables such as jewelry, antiques, works of art, coin or stamp collections, cameras
and musical instruments, to name a few.
- Blanket Personal Articles - In addition to the traditional method of itemizing coverage
for select special items, we offer a unique blanket coverage option that many people
find appropriate for their needs.
- Identity Theft - In the event of an identity theft against you or an insured family
member, Identity Theft Recovery Coverage provides financial assistance along with
the expertise of case managers to assist in restoring your stolen identity.
Special Discounts
We offer a number of attractive discounts and credits, including:
- Age of Dwelling
- Fire Extinguisher
- Smoke Alarm
- Central Station Alarm
- Deadbolt Locks
- Volunteer Firefighter
Learn more:
