Krugh Insurance will help you
protect one of your biggest investments - your home
 The Basics
Coverage’s including:
-
Weather
losses (wind, rain, snow, cold)
-
Fire
-
Theft
-
Personal
Liability
Additional
Coverage’s
Our Homeowners policies go further than the basics by providing:
-
Inflation
guard protection that automatically increases your coverage each
year
(forms HO-2
,HO-3 & HO-8 only).
-
Outboard
motorboat liability, regardless of the size or horsepower of
your boat.
-
Credit card
coverage adds $1000 for losses that occur from forgery and/or
misuse of lost or stolen credit cards. Additional coverage can
be added for an extra charge.
-
Liability
coverage for accidents involving swimming pools, model airplanes
and sailing vessels less than 26' long.
-
Liability
and physical damage coverage for motorized wheelchairs.
-
Waterbed
coverage for damage caused by accidental discharge of water.
-
Reasonable
expense for debris removal from covered property, along with up
to $500 for the expense of removal of fallen trees.
-
Fire
Department service charge, with a policy limit of $500, which
can be increased for an additional charge.
-
Theft
coverage for property of students while away at school.
-
Free
inspection of wood-burning stoves.
-
Limited
coverage for business property: $2,500 on premises, $250 away
from premises.
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Customize
your Krugh Homeowners Policy
Customize your Krugh Homeowners policy to meet your special needs by
adding additional coverage’s for an additional premium charge:
-
Earthquake
Coverage
-
Personal
Computer Coverage for equipment media and data
-
No
depreciation coverage on dwelling and additional structures
(not
available in Illinois)
-
Personal
Property Replacement Cost eliminates depreciation on personal
items.
-
Special
Personal Property Coverage gives you added protection on all
personal items
-
Higher
limits are available for certain property such as money,
securities, jewelry, furs, guns and silverware
-
Scheduled
Personal Property Special Coverage is for specific personal
items such as boats, furs, cameras, jewelry and collectibles
-
Increased
limits are available for credit card forgery
-
Back up of
Sewers and Drains coverage
for qualifying homeowners
Qualifying homeowners can receive the following discounts:
Age of Dwelling Adjustment
Receive up to a 30% discount
(amount varies by state) A discount may be applied for homes of
newer construction.
Blue Ribbon Discount
A discount will be applied based on your insurance score.
(not available in Georgia)
Protective Devices Discount
You can receive a discount for protective devices, including
burglary, fire or smoke alarm and sprinkler systems.
Loss Free Discount
This discount may be applied to any Homeowner policy that has
not experienced a loss within the last 36 months
(Georgia residents qualify if they have not experienced a loss in
the last 12 months.) (Not available in Illinois.)
.
Multi-Policy Discount
Special discounts may apply when we insures your vehicle
and your home, boat, motor home, motorcycle, antique automobile or
other personal property.
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