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Show _, e B e g e Ss T TAR I T T e = T i ; o s A T fl, i . z AT 3 . Volumel,lssueVI \r“;_w o te g: T T = TRETITE i :;-a-StOVesorpropanetanksfl b o r p s i *-*ff} ' e m o h r u o ablyYoyour brggest asset 'ff.r}?f’{fif - on their property. Infonn You have or will work -~ Ll e most of your hfe to pay e S ; g T, P T - ’Ffor 1t and m a brref T S T T Insurance covereveryThe typrcal o »;.-“_homeowner S pohcy ‘\ covers ev,e_rythlng,-, - except whatit EX- e, «v_,.- e T : CLUDES 0T Ny R e s R T . ~ - T RN COR T i 5 s T s e mrn ST = o T e T Ty PP 3 N Some maJ or stays properly msured o "_sz:stolen from you or your room whenyou are on 7‘!? o vacatron | thtlethmgshke S :f-_ : ‘.‘trampohnes ammal brtes i o The best trpsto save ) you money are: - = Check your deductlble ~daycare and assumin g ;| ~ If'you gofroma$l OQ_-._bl 'L_l‘somethm gis covered. ~ deductible to $250 1tmay ~ which turns out not to be . exclusionsareearth- quake, flood landshde v;-.;,nuclear e save you 15% and an- | el can be costl Y, both ~additional l()% 1f you go i financrally andvemotron o $500. war sewer any Protect yo __ji."-:Sometlmes if youplace o and the relatronshrps you (any busmess operated Gl| _*'ij.f,your autos and home w1th f s_;_have wrth them Don too ‘the same company you ~ assume anythmg, be sure : u be covered) However ) "can get a 10% dlscount - it’sin writing so you car AR ‘most of these exclusrons "“Shop | around--an - '_;"E'agf:f*i“flrve and sleep;wi_fi,,i_. . youmay purchasefrom L ‘ :'mdependent agent may .i worying. e "~'lit-‘;havea lower price thana iy For more lnfOrmatzo 1 "f,}'our agent. Coverage of personal capn ve agent and usually e _{contact WaynePeart;-' at;; _ :.;i;:;745 2728 or ;;has more optrons and il '"trtems can be the most ~ more compames to draw f,}confusmg part ofhome G R g T Sy e ,,.':- o T _i,g-backup anddaycare 2 e L iT St certain that your home i tlflmg you think it doeS" T 5l . : T LR .~ 488 - f"rmay be covered, as well j; as money or other items L finished basements or gb 's"-;j;;v»».other1mprovements ‘protected" Does your - B ;;:Sents etc ) Your youragentof addmons f & 'rmssmnary s stolen brke lch may increase the moment part orall Of_,il..'?‘-'fi‘?i»‘{i'.f::"fWh 1t canbe gone. Are you ~ value of your home to bef ~ tools, C - . from insurance. Which per- - sonalitems are covered- R ; WPEARTINSA @ ’ homes I seehave SR undersyour homeowners 'Most T | »_ :fpohcy" Ihke to use thlS B'. - $100,0 hab111ty limit by | 1t only costs roughly PNy analogy: ifit fitsin your _fand e Loui j*home or anormal garage ~ $1 permonth toraiseit ' 10$300.0¢000, Thisisa cost to ensure that ,-:g;-.j. RV, ete. ) and more than :low _youwon t lose your halfofyour nelghbors - i ~ \ ' (excepting vehicles, or Eew 2ol ‘?..‘possessone, thenit - ,,f.r_.,;_'fff'?home A overalaw surt ShOUld be COVCI‘C‘ MOSt - pohcres Imut Jewef. 5- D _._,.},-_;-g.;Ifyou have ammals (especially farm anlmals) 10$1,000; computers for . @ S s personal use only; and make sure that they are covered. If not youare youhavei items whrch are T personally liable forany cause, ofy great val ue.or unique: . e damage they may guns up to $1 OOO If _ ~ o e il .ff?(anthues fine arts, ext) i -fi'fi‘ff:"iIist 1mperat1ve thatyou ~ but, are not hsted inyour ,v_mamtam your property T ' | pohcy, ontact your agent,,a.c N *trlm trees, keep heavy = ~and get somethmg in ~ snow off yourroof, etc. f;}_?and your property z S b B R 5 . o ..‘, ) , . = . i - ‘_’ s When filling out any S S ) e LD Lo L e T b 5 5 e PRI D i A s 5 e e D T R e e L . . ey :“"..\«m’r«:--»‘~;;«-4..-.‘,t.,_, honest. If you or your - flagent are drshonest your '-,’;'""llmsurance company has a B orpoormaintenanceare | ’lfileaks because of poor -~ * maintenance the damage in your home isusually i not covered make your] house the most. expensive bonfire m A the Valley. Saving a few dollars by omrttmg afew - coulddo. Completely - | .coston your home and - personal belon gin gs. e )eprecrated or actual - cash value may not T pertment facts may be the'jf;f‘“_ | replace » the personal1temi © most expensrve thmg you or reburld your home drsclose all 1nformat1on ¥ your rnsurance company Gt homes whrch have wood | Some perksthat "some people are unaware L may need to keep you 'f_'-;@f : are: Coverage on bk fully insured. Some al household 1tems fi’?ijnonn ', o companies wrll not cover _stolen fromyourcar, (CD S,tapes personal and the nlarketchanges i i yourgclarm Wthh may S'fff'»:?,.;Have full replacement o b G W - ~ i,| apphcatlon be completely - ‘ xT frarely covered If the roof’l . SETT good excuse todeny TILT e G i . TR A ' writing to protect yourself .i Loss caused by neglect g ~ o T -,. ] . SR ' _- It sa good 1dea to revrewfié it ,.our portfolro at least |