Hayes Agency Inc. Complete Insurance Service serving Tully and Surrounding Communities since 1898
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Homeowners Insurance


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Homeowners Insurace Homeowners insurance protects one of life’s most important assets, whether you are a homeowner, a renter, or a landlord. When damage occurs to a dwelling, personal property, or someone on the premises, homeowners insurance is what protects you from significant loss.

There are numerous ways to build a homeowners policy depending on your ownership situation, what valuables are on the premises of the home and how the home is built. Without being specific about any particular policy, below we have outlined the general sections included in homeowners insurance.
  • Dwelling
    This coverage protects your home and attached structures (such as a patio) from physical damage. The biggest difference between different dwelling coverage is the dollar amount of coverage provided and what causes of loss are covered (fire, wind, hail, vandalism).

  • Other Structures
    This coverage protects the other structures that may be on the premises that your home exists. Things such as detached garages, woodsheds, and other immovable structures typically qualify for protection under this coverage.

  • Personal Property
    This coverage protects the contents of your home whether the items are in your home, in your car, or on your person while you travel. There is a great deal of flexibility for how these items can be covered so it is important to consult with an agent who is able to make sure you have adequate coverage to protect your belongings.

  • Personal Liability
    This coverage protects you against damage that you may inflict on another person or their property anywhere in the world. Consult with an agent to make sure you understand the numerous ways you can inflict damage, what your policy covers and how much it should cover to keep you protected.

  • Medical Expenses
    This coverage will protect guests on your property that are injured, and in some cases off your property, that are injured and require medical attention. This coverage does not protect you or your family.

  • Additional Living Expense
    This coverage will help to cover expenses if you are not able to live in your home as a result of a covered loss.

Every situation and every policy is unique. Let us review your policy and make sure it truly meets your needs. If you need new or different coverage, we will help you get a policy that will provide you with better coverage.



  Copyright 2000-2013 Hayes Agency Inc. All Rights Reserved.
Phone: 315-696-5714   Fax: 315-696-8954
Email: contact@hayesagency.com   Website: www.hayesagency.com


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