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ASI Insurance

ASIHouse
01
Sep

ASI Insurance Underwriters

Home Owners

asi-logoThe best way to protect your large investments is through insurance coverage. Your home may be your largest investment and with our homeowners’ HO3 policy you’re covered against most risks.
Our homeowners’ policy provides comprehensive property and liability coverage to homes in which the owner occupies. In the chance of a fire, lightning strike or theft, you’re coverage provides:

  • Replacement value for your home and other structures, that includes your personal property.
  • Even if you’ve lost your home until repairs are finished, we have your home and yourself covered with personal liability coverage and medical payments.

With many other additional coverage options available, you can cover:

  • Replacement costs on your personal property and
  • Add increased limits on jewelry and personal injury coverage

Talk to our licensed agents for coverage selection advice based on your personal needs. Each policy contract discloses all coverage limitations, exclusions and conditions that apply.

Condo Owners

It is important to know, when owning a condo, what exactly is covered within your communities’ policy. Most always, you are left responsible of your personal belongings.
Different from homeowners, our HO6 policy is available for you if you own and occupy your condo for at least four months per year. Coverage includes:

  • Protections for any content that is permanently attached to your building’s items inside the condo.
  • Also provides coverage for personal liability and medical payments.

Talk to our licensed agents for coverage selection advice based on your personal needs. Each policy contract discloses all coverage limitations, exclusions and conditions that apply.

Renters

In the chance of a fire or water leak that leaves your personal belongings destroyed, what would you do? What if you completely lost your valuables to theft, then what? Would you be able to afford replacing those missing or damaged items?
Don’t rely on your landlord’s policy to cover your personal belongings being replaced. Instead, a HO4 renters’ policy provides affordable coverage to renters/tenants to protect against those mishaps. Our policy includes:

  • Your personal belongings, personal liability as well as medical payments.

Talk to our licensed agents for coverage selection advice based on your personal needs. Each policy contract discloses all coverage limitations, exclusions and conditions that apply.

Seasonal / Investment

Save money as a property owner of either a seasonal, secondary or investment property, when choosing your insurance coverage. A dwelling fire (DP3) policy is offered a la carte, rather than in a packaged policy. This format allows you, the property owner, to choose the coverage you need while saving money against coverage you don’t need. By selecting your own limits on:

  • Other structures, contents, and
  • Personal liability and medical payments,
  • Additional coverage such as replacement costs for personal property,
  • Ordinance or laws, and
  • Even theft is available to bundle.

Talk to our licensed agents for coverage selection advice based on your personal needs. Each policy contract discloses all coverage limitations, exclusions and conditions that apply.

Umbrella

As we all know, accidents can happen anywhere, at any time! It only takes one negligent act or mistake to be faced with a major lawsuit. Assuming your homeowners or automobile policy are enough to protect your assets, leaves you knowing this isn’t the case. Personal umbrella liability policies protect:

  • You and your family along with everything you’ve worked so hard to attain with coverage offers of $1 and $2 million limits.
  • The policy also covers claims of libel, slander, defamation of character and invasion of privacy
  • While helping cover defense costs, attorney fees and other charges held within a lawsuit.

Talk to our licensed agents for coverage selection advice based on your personal needs. Each policy contract discloses all coverage limitations, exclusions and conditions that apply.

Commercial

By providing for residential and commercial condominium associations with financial protection to recover from any major losses, we understand each coverage policy requires unique needs so we employ a hardworking team of dedicated professionals to assists after a claim.

Examples of residential associations covered:

  • Condominium,
  • Town-home,
  • Apartment complexes,
  • Senior living/assisted living complexes,
  • Homeowners (common property only).

Lesser Risk examples:

  • Office buildings and
  • Commercial condominium associations, for either professional or medical occupancy.

Talk to our licensed agents for coverage selection advice based on your personal needs. Each policy contract discloses all coverage limitations, exclusions and conditions that apply.

Builder’s Risk

For those who are beginning construction on a new home, we offer a Builder’s Risk (BR3) policy. Coverage protection includes:

  • Dwellings and other structures (one to four family residences while under construction),
  • The builder’s interest,
  • Theft of building materials whether sitting or in transit,
  • Loss of profit (10% of Coverage A),
  • Conditional automatic coverage on new construction sites,
  • $500 deductible on all perils and 2% of Coverage A on hurricane deductibles.

Talk to our licensed agents for coverage selection advice based on your personal needs. Each policy contract discloses all coverage limitations, exclusions and conditions that apply.

Flood

In America, floods are the leading natural disasters. That’s where there are flood and excess floor policies offered to you for coverage on

  • Physical loss and damage caused by a flood or rising water.

Most standard homeowner’s policies do not insure your home and its’ belongings protection in a floor, that’s where a flood policy is required.
For more information talk to an America’s Choice Insurance Partners agent today. The policy contract discloses all coverage limitations, exclusions and conditions that apply.

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