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Your home is
more than just a place to live. It probably represents your
largest investment. The selection of homeowners insurance
should be made with great care to protect your home and
personal property from hazards such as fire, windstorm,
theft and vandalism. |
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You, as a
homeowner, may choose any combination of insurance and
amount of insurance to properly protect your property and
other financial assets.
RDS Insurance Brokers
offers a full range of insurance products for homeowners
(HO-3), condominium owners (HO-6) and renters (HO-4). We
also have other dwelling & personal property products that
can meet your particular coverage needs.
You can learn more about homeowners coverage's here on our
web site, then ask us for professional advice. RDS
Insurance Brokers can review your financial
requirements and recommend coverage's to provide you a
comprehensive package of protection. |
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See what
extra features are available at
NO EXTRA COST
Click Here |
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Extra Features at
NO
additional cost! |
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To learn more about our homeowners
coverage programs click below. |
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Home Business Coverage! |
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Successful
business plans begin with RDS Insurance Brokers.
A
Home Business Endorsement,
a simple
addition to your homeowners policy, provides coverage for your
home-based business. The endorsement is less expensive than a
business owner policy, yet still offers the security and
protection your home-based business requires. The Home Business
Endorsement offers the following features: |
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On-premises business
property, including electronic equipment, is covered up to the
contents limit on your homeowners policy. |
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Off-site business property
is covered up to $5000 Up to 12 months coverage is available for
business interruption and extra expenses resulting from a
covered loss. |
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Business credit card and
check forgery coverage Business liability coverage including:
personal injury and medical expenses, advertising injury,
products, and completed operations (professional liability is
specifically excluded). |
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$10,000 accounts receivable coverage
$5,000 valuable papers coverage. |
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This endorsement may not yet be
available in your state. Please contact your independent agent
for more details. |
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*NOT AVAILABLE WITH ALL
COMPANIES |
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Discounts and Credits |
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Credits
Lower Your Cost!
At
RDS Insurance Brokers we offer a
wide variety of
homeowners credits for new homes, loss prevention/reduction
measures, recognition for the number of years insured with RDS
Insurance Brokers and sharing in the cost of losses.
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New Home Credits
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Up to 20% based on the age
of your home.
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Renovated Home Credits
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Up to 20% based on when
the electrical, plumbing, heating and cooling systems have been
replaced.
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Protective Devices
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Up to 15% for smoke
detectors, deadbolt locks, fire extinguishers, fire and burglary
detection systems.
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Renewal Credit
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Up to 5% for three years
and up to 10% for six years or more if you remain insured with
one of our companies.
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Deductible Credits
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Can depending on the
deductible selected, homeowners can reduce their premium up to
40%. |
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Optional Homeowners Coverage |
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For a
small additional cost, you can add a variety of optional
coverage's.
Here is a sample of some of these coverage's: |
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Full Replacement Cost
of Your Dwelling |
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This feature provides the extra coverage you may
need to pay the actual cost to replace your home, regardless of
its original cost or your policy limits. |
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Full Replacement Cost
on Personal Property |
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Pays to replace your damaged or stolen household
contents at today's retail prices, regardless of their original
costs (up to your policy limits). |
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Valuable Items, Boats
and Trailers |
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Special limits are available to cover financial
loss of property, such as boats and trailers, jewelry, watches,
gold and silverware, furs and guns. |
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Special Policies for
Renters and Condo Owners |
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If you need protection for your condo or rental
home, we have comprehensive policies covering personal property,
household goods and alterations you make to the property.
Liability coverage is also available. |
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Identity Theft Coverage |
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Something to think about...
* 1 in every 23 consumers was a victim of identity theft
in 2004!
* The FBI calls identity theft the fastest growing
white-collar crime in America!
Contact
RDS
today for information on our
identity theft protection program. |
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