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Show Citizen, Press, Review, Times, Wed., April 24, 1985 - Page 16 Choose a home insurance that meets the coverage you need Regardless of the size, age, construction or cost of your home, everyone still has one thing in common: If you owe money on your home, you will be required to provide insurance coverage. However, if you own the- home completely, unlike automobiles, you are not required to buy insurance, but few people are foolish enough to have an asset as valuable as their home carry no insurance. Thus, most people face the decision of where to buy their in-surance and what type to purchase. Many different choices are available to the home insurance consumer. Generally, home in-surance is sold in three different levels of coverage. A basic form policy (HOD covers the perils of fire, smoke, explosion, theft and several other perils. A broad form policy (H02) covers all HOI perils plus such items as freezing of water pipes, hitting your house with your own car, and several others. The third form of home insurance is called a special form policy or H03. It is much broader in scope than either the HOI or H02 policies and is now the most popular policy being sold. Other choices entering into the purchase decision concern the various options available. One of the most popular options is that of replacement cost coverage on your personal property. With this option in force, the personal property lost due to a covered peril is not de-preciated whereas depreciation is applied to damaged personal property under a regular policy. Another option is full glass coverage, which deletes the deductible on broken glass. A regular policy requires that you pay your deductible (usually $100 to $250) before the insurance company enters into the loss. A third option available is called contingent worker's compensation. This option would protect you if you hired someone to do work (i.e. mowing lawn, fix plumbing, carpentry, etc.) on your home and they were injured while working for you. Still another option is an ear-thquake endorsement which would cover your home for losses due to an earthquake. The options that you choose can add significantly to the coverage of your policy as well as the price. Talk to your agent as to which coveragesoptions he recommends for someone in your specific situation. Still other factors affecting your purchase decision are the price you pay for your insurance and which company you choose. Although it is possible to find large differences in price from one company to another, generally home insurance is competitively priced and dif-ferences in premiums are small. The company you choose to pur-chase from can affect you in regards to how accessible they are, how financially secure they are, and how quickly they can handle your claim. Finally, one of the most important aspects in your home insurance purchase is the agent with whom you will be dealing. If the agent is committed to serving your needs, and is willing to meet with you and explain your policy, you will be much more satisfied and com-fortable with your home insurance purchase. An agent who is ac-cessible and willing to help you after you have suffered a home insurance loss can greatly speed up the claim handling process and be a valuable asset in your dealings with the insurance company and the claim representative. You should feel comfortable in calling upon your agent and having him review your policies as the insurance in-dustry is a rapidly changing field with, new options, coverages and changes being made frequently. fh ) u.,.,.,...l. u f.i II I if you want to get the most for your homeowners insurance Ay dollar, check with r State Farm. Call, and let me explain State Farm 's unbeatable combination of service, protection, and economy. Calvin Blohm 785-426- 6 63 East State Pleasant Grove Utah "VliwN. STAIi I ARM SJ R$XkMJ "Your One Stop Fence Store" (AV kXVS Chain Link 50' Rolls OW 42" 48" 60" 72" IKW $2900 $3350 $4100 $4350 100 FT. COMPLETE FENCE Including 2 end posts, 9 line posts . top rail, fabric and all fittings I 42 " $ - 0600 - 48 " $ 1 1 1 00 Rnancing ACME FENCE CO. W Available -- j Mil ISTIMMIS & LICENSED CONTRACTOR 1440 WSI CHTLR OREM f Ijl..... LOW SALE PRICES 2 Plus free Coleman merchandise"3 with each new purchase. t5 Ask NO PAYMENTS FOR : ZZZ. " 'Offer expires 52485. ' nrfciin Get a coupon for full-siz- e JiVVl FREE CUTTER INSECT REPELLENT BJCfU just for Visiting, (while supplies last).- Lehi Farm Equipment 1001 East Main, Lehi a 768-848- 7 f ALLIS-CHALMER- S am Lawn and Garden Equipment J lA (M fIy the' lawn professionalS I 2. vJJ C i new customers only FERTILIZING WEEDS INSECTS J mm hm mm w coupon WANT A BEAUTIFUL LAWN? Pro Let PRO-LAWNSCA- PE feed it and keep it healthy with our expert service L.AWNSCAPE Ou. service includes 4 sprays per year WE SAVE YOU P.O. BOX 1705 We control your weeds & insects DRFM' UT Rdf) We tea, shrubs 8 flowers TIME AND MONEY ' ' ' - professional service at do it yourself prices COTUI I I sotisfaclion 100 guaranteed rUH AhHLfc I tUALL. Personalized, individual service (OrONoOR , ' jj VV Locally owned and operated A EXISTING CUSTOMERS WILL RECEIVE $10.00 REBATE 785 " 960G JL WHEN SPONSORING A NEW CUSTOMER ' " ,V Open Price Effective W I H I IA Weekdays. J I j 8:30 6:00 I ' 1' 14MnrthQto Orem - Phone 224-212- 1 fcTaT DUDFEssinvjAI 0RT" upSTART JPrTl Vitamin B- -l WM Si Plant Starter 5Lb Food V1 PPESWj ,WmMH "Stimulate early, stronger Quart feT" mm REBATE Ol root development in your I f fc"' h see store ' fs?-fc- ) Plants. jfe JTN rfffc Q Ortho fcwfll ITakW N, "Use on fruit trees, vege- - J) Qj Z) V EVS$Pftf RplUJ lAANUfell table plants, shade trees. nmafn FnnH rTL -- J ornamentals and flowers. " I Reg. Pnce - Net Pr,ce With Rebate Coupon promotes a . 5"10'- 1- n,i """'""'"" gfc f greener, more vigorous yw Reg LP I CO 1 (Si )&) 16 One quart makes up to gallons. K," 5. Lbs. Only VrJ J 20 Ali PurPose tfk r "Tin Covers 3000 Sq. Ft. fj LSM While Supply Lasts 24 Fod Pint V WW - . Covers 4800 Sq. Ft. U ROSSS Orl--k Bare Root ZZ ' SlLs-- Books Concord J rx-r- ( . fr'-- ' I vj rapes Vm r Treat Your Trees . ft ;tT (0 Right For Arbor - lftS ' Day This Year tiiH r A -- $5)79 Other Grapes sale lilfe - S 1 j Three types to choose from: lg U EACH 7) Special Evergreen Stakes Interlaken Seedless-Concor- rJ Super Fruit Tree Stakes Re9-- $XJC) A'den !3oavv,;o fOW (CM EACH Ntaora ... 1 ,.,.r While Muskrat jjj High Quality imm boots j Super For Water I fC ,Clea' 0r 9round cover- - hunting-fishin- boat J Vl' cover, household uses and many others! All jm Sizes Available. YARDAGE DAM CANVAS 6'wa.,wai.,p,.,( wMi.ou,k iwr 1 , . CT.aiTOlr.): j ( "Farm Sale-A-Bratio- n" continues Lehi Farm Equipment is currently celebrating spring with a "Great Outdoors in cooperation with Lawn and Garden Equipment. According to Lehi Farm Equipment owner, Val "Emo" Player, low sale prices are being offered on top quality garden tractors, lawn tractors, walk-behin- d mowers, walk-behin- d tillers, riding mowers and diesel tractors. As part of the celebration, free Coleman merchandise is given with certain purchases until May 24, 1985. And while supplies last, customers can get a free coupon good for any full size Cutter Insect Repellent. Also offered until May 24, 1985 is a financing program where customers can buy now and get free y financing and no payments for 120 days with qualified credit. |