Protection for your Home and Property

Protect your most valuable asset
Your home is your most valuable asset, whether you have just purchased your home or you have owned your home for 30 years. Not only is your home a significant asset, it is where you do most of your living and where you store most of your memories. Memories are irreplaceable, but we can handle the rest. Please call us and let us perform a current protection review and offer protection solutions that fit your personal needs. We can provide the peace of mind you´re looking for.

Discounts and special programs
You need not sacrifice solid protection to gain competitive pricing on your insurance protection. We offer special package discounts if you combine home insurance with your automobile insurance. We also offer discounts for: security and fire alarms, properties which have been updated, newer homes, good claims history and many more.

Homeowner´s policy coverages
Homeowners policies cover a great many risks that you face as a homeowner. Here are a few of the primary coverages provided by a homeowners policy:

Dwelling: Insurance protection for your home´s physical structure against perils such as fire, lightning, windstorm, hail, vandalism, theft, vehicles, aircraft, explosion and collapse. This coverage should be written for a dollar limit equal to or greater than the cost of materials and labor to replace the structure.

Loss of Use: If your home suffers covered damage and you cannot live in the home due to this damage, you will suffer additional loss to pay for other living arrangements until your home is restored. If you have a mortgage, your bank still wants to be paid for the monthly mortgage. Most people cannot afford to continue paying their mortgage while renting a temporary home. This protection pays your monthly expenses which are above and beyond your normal monthly expenses for you to live in a temporary home. This is an extremely important protection, as most people would be driven into bankruptcy following a loss without this insurance coverage.

Personal Property: Insurance protection for your personal property against perils such as fire, lightning, windstorm, hail, vandalism, theft, vehicles, aircraft, explosion and collapse. Personal property consists of items such as your furniture, clothing, television, home computers, rugs, art work and most appliances. Your personal property is best covered while it is located at your home address. Your homeowners policy will most likely provide some protection for personal property while it is away from the premises. However, most homeowners policies limit protection for special items of value, such as jewelry, watches, furs, money, precious metals and personally owned property used for business. Please discuss your specific needs with one of our agents and they will tailor the coverage to fit your needs.

Other Structures:These structures are buildings which are not attached to your home but are on the same property as your home. These structures usually consist of garages, storage sheds, decks, patio coverings and sometimes swimming pools. Other structures are protected in the same way as your primary home, but a separate limit of coverage is declared on your insurance policy.

Comprehensive Personal Liability: The moment you purchase a home you face liability risks from the public at-large. This protection will respond to risks such as a third party becoming injured on your property or because of your use and maintenance of your home. Certain aspects of this protection also follow you away from your home. Most policies provide protection for bodily injury caused to another person away from your home (subject to exclusions, such as injury with an automobile). For example, you could injure someone with a shopping cart, or injure someone on a golf course with a stray golf ball. Many policies will also include personal injury protection for unintentional libel or slander. This is a very important protection and should be crafted by a professional agent.

Deductibles: Deductibles are an important part of a homeowners policy and generally apply only to property coverages and not to liability coverages. Generally, the higher the deductible you accept the greater your premium discount. We recommend considering a high deductible in exchange for a premium discount. However, make sure this is a deductible you can afford to handle in case a loss happens.

Why BCV
There are hundreds of insurance companies providing property and casualty policies across the nation. Every policy is a little different and insurance companies maintain varying philosophies of claims adjusting. BCV has the "know how" to assess your risks and match you with an insurance policy tailored to meet your individual needs. We only work with insurance companies which have both the assets necessary to pay your claim and the willingness to pay your claim. Your insurance company should be there by your side when you need them most, after a loss.

Protection for your Condo, Townhome and Personal Property

Condo Owner´s policy coverages
The Condo policy form covers the specific risks that you face as an owner in common with other owners. In many respects, the condo owner policy form is complicated by common ownership interests. Here are a few of the primary risks associated with condo ownership and how this policy form responds to those risks:

Dwelling: Insurance protection for your home´s physical structure against perils such as fire, lightning, windstorm, hail, vandalism, theft, vehicles, aircraft, explosion and collapse. In many cases, the homeowner´s association will insure all common buildings, including common walls and utilities within the walls. However, we see many HOAs handing the individual condo owner to responsibility to insure the water pipes leading to their unit, wall coverings, cabinets, fixtures and other interior improvements. It is very important that you review your CC&Rs to determine which part of the dwelling (building) you are responsible to insure.

Personal Property: Insurance protection for your personal property against perils such as fire, lightning, windstorm, hail, vandalism, theft, vehicles, aircraft, explosion and collapse. Personal property consists of items such as your furniture, clothing, television, home computers, rugs, art work and most appliances. Your personal property is best covered while it is located at your home address. Your condo owners policy will most likely provide some protection for personal property while it is away from the premises. However, most condo owners policies limit protection for special items of value, such as jewelry, watches, furs, money, precious metals and personally owned property used for business. Please discuss your specific needs with one of our agents and they will tailor the coverage to fit your needs.

Loss Assessment: Your homeowners association will most likely provide insurance for common property. However, this insurance often comes with large deductibles and may not cover all risks faced by your property owned in common. Your CC&Rs will allow the HOA to assess all owners for losses to property for which are not covered because of deductibles or lack of insurance. If you are charged such an assessment, this protection may pay this bill for you.

Deductibles: Deductibles are an important part of a condo owners policy and generally apply only to property coverages and not to liability coverages. Generally, the higher the deductible you accept the greater your premium discount. We recommend considering a high deductible in exchange for a premium discount. However, make sure this is a deductible you can afford to handle in case a loss happens.

Protection for your Personal Property

Renter´s policy coverages
The Renter´s policy form covers the specific risks that you face as a tenant in someone else´s property. Here are a few of the primary risks associated with being a Renter and how this policy form responds to those risks:

Personal Property: Insurance protection for your personal property against perils such as fire, lightning, windstorm, hail, vandalism, theft, vehicles, aircraft, explosion and collapse. Personal property consists of items such as your furniture, clothing, television, home computers, rugs, art work and most appliances. Your personal property is best covered while it is located at your home address. Your renters policy will most likely provide some protection for personal property while it is away from the premises. However, most renters policies limit protection for special items of value, such as jewelry, watches, furs, money, precious metals and personally owned property used for business. Please discuss your specific needs with one of our agents and they will tailor the coverage to fit your needs.

Loss of Use: If your home suffers covered damage and you cannot live in the home due to this damage, you will suffer additional loss to pay for other living arrangements until your home is restored. If you need to seek a new temporary home, the cost may be significantly higher than your current home. This protection pays your monthly expenses which are above and beyond your normal monthly expenses for you to live in a temporary home.

Comprehensive Personal Liability: When you take possession of a property under a rental agreement, you become responsible for injuries which occur on the premises. This protection will respond to risks such as a third party becoming injured on the rented property or because of the use and maintenance of your home. Certain aspects of this protection also follow you away from your home. Most policies provide protection for bodily injury caused to another person away from your home (subject to exclusions, such as injury with an automobile). For example, you could injure someone with a shopping cart, or injure someone on a golf course with that terrible slice you have from the T-box. Many policies will also include personal injury protection for unintentional libel or slander. This is a very important protection and should be crafted by a professional agent.

Deductibles: Deductibles are an important part of a renters policy and generally apply only to property coverages and not to liability coverages. Generally, the higher the deductible you accept the greater your premium discount. We recommend considering a high deductible in exchange for a premium discount. However, make sure this is a deductible you can afford to handle in case a loss happens.