Homeowners Insurance
As a Cornerstone Agent with Chubb
, SilverStone Group provides broad coverage Homeowners Insurance designed specifically for people who need more than conventional, mass-market protection for their home(s).
Coverage Options
There are flexible, affordable options that allow you to design the coverage that best meets your unique needs. For example, you may select individualized protection for your home and property against many common causes of loss such as:
- Fire or lightning
- Windstorm and hail
- Smoke damage
- Vandalism and malicious mischief
- Glass breakage
- Theft
- Falling objects
- Weight of ice, snow or sleet
- Water damage from rupture or overflow of a household appliance, plumbing, heating or cooling system
- Freezing (water pipes, etc.)
- Damage from electrical currents
- Damage caused by vehicles or aircraft
Liability Protection
An important part of your policy is liability protection. If someone makes a claim of injury or property damage against you or your family, everything you own could be in jeopardy. Your homeowners policy protects you in situations such as:
- Claims for injury to others on or off the premises
- Claims for property damage to others
- Liability defense costs
- Medical expenses for injuries to others
A Custom Fit
You may need extra protection for special needs beyond the coverage in your homeowners policy. For example, you can increase your policy's standard coverage limits for the following:
Great Extras
No matter what homeowners policy options you choose, these important extras are yours automatically, at no extra cost:
- Additional living expense when an insured loss makes your home uninhabitable
- Debris removal after a covered insured loss
- Reasonable repair costs for necessary repairs to protect your property from further damage after a covered loss
- Coverage for trees, shrubs, plants or lawn destroyed from a covered loss
- Fire department service charge to save or protect your property after a covered loss
- Coverage for forgery and counterfeit money and for unauthorized use of credit cards and fund transfer card
- Protective device credit -- for burglar, smoke and fire alarms
- Multiple policy discount -- for homeowners policyholders whose automobiles are also insured by the same carrier
- Deductible options -- offering you a premium savings when a higher deductible is selected
- New home credit