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Property Insurance

There's a lot to know about Property Insurance. From learning how it can help protect you and your assets to choosing the right insurance company to deciding what coverage options are right for you. Explore answers to those questions and more here. You can even learn how you might be able to save some money along the way with our special property discounts  

Homeowners Coverage

  • Buying a new home
    You might be making the move from renting to buying, building a new home or moving to a new neighborhood. In any case, you'll make a lot of important buying decisions about your new home along the wayprice, location, features just to name a few. You'll also need to make some decisions about insurance. And when you do, here are a few things you might consider:

    • Your Home
      • How much would it cost to rebuild my home at today's prices?
      • How can I make my home safer and possibly save money?
      • Should I purchase flood insurance?

    • Your Property
      • What would it cost to replace the contentsof my home?
      • Do I need an inventory and photographs of my personal possessions?

    • You and Your Guests
      • What kind of protection do I have against liability claims?
      • Will my guests' medical expenses be covered if they're accidentally injured on my property?

    • Your Coverages
      • How can I personalize my policy with extended coverage on computers, silverware, jewelry and more?
      • How often should I reevaluate my coverages?
      • How much should my deductible be?
      • Do I need or have reimbursement for additional living expenses if I can't live in my home due to a covered loss?
      • 'm building my home, are there additional coverages available during the course of construction?

  • What are my coverage options?
    Whether you rent or own your home, you've got a wide range of property insurance products and coverages to choose from at Mentzer Insurance Associates.

    First, understand which coverage elements are common among all property insurance policies:

    • Personal Property -- To protect movable personal property, mostlywithin your home.Certain coverage limits apply.
    • Family Liability Protection -- To pay for covered damages which you're legally obligated to pay.
    • Guest Medical Protection -- To pay medical expenses for your guests who are accidentally injured on your property as a result of a covered loss.
    • Additional Living Expenses -- To pay the reasonable increase in living expenses if your home becomes uninhabitable after a covered loss.

    Second, consider which policy is right for your living situation:

    • House
    • Condominium
    • Renter

    Third, personalize your policy withadditional coverages such as:

    • Replacement Cost Coverage for many of your contents (subject to applicable underlying policy coverage limits).
    • Scheduled Personal Property Coverage with increased protection for your personal property including, but not limited to: jewelry, watches, furs, stamp and coin collections, fine arts, cameras, personal computers and sports equipment.
    • Increased building code coverage For example, if your home is damaged or destroyed you'd need protection to bring it up to today's code standards as it is repaired.
    • Portable cellular communication systems coverage.
    • Satellite Dish Antennas coverage.
    • And many more!

    Finally, since most Homeowners, Condominium, Mobilehome, or Renters Insurance Policies don't cover a flood, find out if you're eligible for a Flood Insurance Policy. Contact Stan and Teresa Mentzer for more information.

 

Condominium Owners Coverage

  • What is covered in a Condo Policy?
    Owning a condominium puts you in a unique position. Unique because you have both common and individual insurance needs. Odds are, your condominium association has an insurance policy for common areas, like the building exterior and walkways. You're still responsible for insuring your interests such as your personal property, yourself from liability and your guest's medical protection.

    Some things to consider...

    • Your Association
      • How do I know how much coverage my association carries?
      • Are there parts of the buildingor property they don't insure?
      • What are my insurance responsibilities?

    • Your Home
      • How much would it cost to repair the insideof my home if it were damaged?
      • How can I make my home saferand possibly save money?
      • Should I purchase flood insurance?

    • Your Property
      • What would it cost to replace the contentsof my home?
      • Do I have an inventory and photographs of my personal possessions?

    • You and Your Guests
      • What kind protection do I have against liability claims?
      • Will my guests' medical expensesbe covered if they are accidentally injured on my property?

    • Your Coverages
      • What additional protection can I get for special assessments?
      • What additional protectioncan I purchase for my personal property such as: jewelry, electronic equipment, cellular phones and other special items?
      • How often should I reevaluate my coverages?
      • Do I need or have reimbursement for additional living expenses if I can't live in my home due to loss?
      • I'm getting married, can I get additional protection to cover wedding presentsand other personal property I receive?

      Contact Stan and Teresa Mentzer for answer to these questions.

 

Renters Coverage

You might think, "Why do I need insurance, I'm renting?" Well, even though your landlord probably has an insurance policy on your building, you'll need to protect your personal interests too. And it only costs a little to protect a lot. Renter's insurance is less costly than you might think.

Some things to consider:

  • Your Property
    • What would it cost to replace the contentsin my home?
    • Do I have an inventory and photographsof my personal possessions?
    • Should I purchase flood insurance?

  • You and Your Guests
    • What kind of protection do I have against liability?
    • Will my guest's medical expenses be covered if they are accidentally injured in my home?

  • Your Coverages
    • What additional coverages are available for my personal property such as: sports equipment, electronic data processing equipment, jewelry or other valuables?
    • I'm getting married, can I get additional protection to cover wedding presents and other personal property I receive?

  • Your Money
    • Can I save money if I have my auto insurance with Mentzer Insurance Associates, too?
    • How can I make my home safer and possibly save money?

    Don't wait another day to get renters insurance. Contact Stan and Teresa Mentzer for more information.

     

    Flood Insurance

    Did you know most home and business insurance policies don't cover flood losses? If your community is a participant in the National Flood Insurance Program (NFIP), you're eligible for federally sponsored Flood Insurance coverage for your home or business.

    By selecting National Flood Insurance coverage through a reliable company like Mentzer Insurance Associates, you can have peace of mind knowing you'll receive a high level of customer service when you need it most.

    Excess Flood Insurance coverage may be available In some states, if you purchase National Flood Insurance through us and find you need more coverage than the maximum limit provided by the NFIP program, you may be eligible to purchase additional coverage through an Excess Flood Insurance* Policy from your Mentzer Insurance Associates agent.

    For more information about flood management, go to the FEMA website (www.fema.gov).

    Contact Stan and Teresa Mentzer to learn more about your eligibility for Flood Insurance

     

    Earthquake Coverage

    Taken from University of Nevada, Reno Seismological Laboratory::
    The Reno-Carson City urban corridor is the second most populated region in Nevada, and lies in one of the most seismically active parts of the State. This has prompted the development of an earthquake scenario (dePolo et al., 1996) to assist with earthquake preparedness and emergency response planning within the corridor's communities. As part of this effort, we have estimated probabilities of a potentially damaging earthquake affecting the scenario area over a 50-year time period. This paper briefly describes local historical earthquakes of magnitude <=6 and compares their occurrence rates with b-value curve extrapolations from the instrumental time period and preliminary estimates based on local fault activity rates.

    Contact Stan and Teresa Mentzer for more information and the cost of Earthquake insurance for your home.