Premier Services - The Insurance Experts

Do you know about the 80% co-insurance clause? This clause will determine if a partial loss (damage) to your home will be fully paid to repair the total damage. The clause states that the dwelling amount for which you are insured must be at least 80% of the full replacement cost of your home, or else any partial damages to the structure may only be covered and paid partially.

You need to evaluate the cost of rebuilding your home to know if your dwelling amount is enough to satisfy the 80% co-insurance clause.

Please understand that sale prices or market values of homes are not adequate sources for estimating rebuilding costs. Rebuilding costs are usually higher than market values for older homes built with stone or brick.

This is just one of the areas of expertise that we have to help you protect both your home and your sense of security. Take just a moment to review the coverage areas in a homeowners policy.

Click here, sample policy, to see and review an actual homeowners insurance policy including the declaration page and contents. Click here, ISO 1991' and 2000 Forms, to see and compare the two homeowners insurance form versions.

See how much you know! Simply complete our cost estimator to help us determine the dwelling amount that may be needed to fully insure your home. Then go to our online application form so we can give you a no obligation quote on your home.