Insurance Policies for Your Home and Property
Bryan Insurance Agency offers a full range of home insurance policies. They automatically include a full compliment of standard features that cover your dwelling, personal property and other structures. The policy also includes liability protection, loss of use and medical payments to others. You may take advantage of the higher deductibles, discounts and credits to further reduce your insurance premiums, and you can add endorsements to your policy to broaden the protection limits even further.
Discounts, Deductibles and Endorsements Covered in All Policies
Deductible
Paying for smaller claims yourself allows you to lower your homeowners insurance premiums by choosing a higher deductible. Bryan Insurance offers a choice of deductibles, the most common include - $500, $1,000, and $2,500.
Discounts & Credits
- Multi-policy – By insuring your auto and home with ERIE insurance, you will receive a discount on your auto premium as well as your homeowners insurance premium.
- New home – Receive a discount if you live in a new home.
- Premises alarm – This discount is applied to your premium if you have smoke detectors installed in your home.
- Sprinkler system credit – If you install and maintain a sprinkler system, you will receive a credit on your homeowners premium.
Endorsements
Bryan Insurance Agency offers a variety of optional coverages to meet your individual needs and these can be added to your homeowners policy by endorsement for a minimal additional premium:
Enhancement endorsement – This endorsement increases the special amount of coverage to even higher limits on items such as:
- money
- jewelry
- trailers
- computers
- guns
Please let us know if you would like to see a complete list.
Optional Coverage Endorsements:
- Payment for direct loss caused by water or sewage that backs up through sewers or drains.
- Payment up to an additional 10 percent of the amount on dwelling coverage for loss to trees, shrubs, plants and lawns on the residence premises.
- Waiver of deductible shown on the policy declaration page for any loss from covered peril exceeding $50,000.
- Earthquake coverage
- Nurse's professional liability
- Personal computer coverage
- Replacement cost on personal property
Homeowner Insurance Policicies
HomeProtector
Not all homeowners insurance policies offer the extra protection features of the HomeProtector program. It offers a variety of coverage options with the Broadcover, Extracover and Ultracover policies.
- Broadcover – Covers named perils on property and building
- Extracover– Covers named perils on property, comprehensive perils
- Ultracover– Covers comprehensive perils on property and building
TenantCover
Your apartment is as much of a home as a house is. The Tenantcover Policy safeguards your:
- Personal property wherever it may be.
- Loss of use, which covers the additional living expenses you incur due to temporary relocation.
- Personal liability for bodily injury, property damage or personal injury claims brought against you anywhere in the world.
- Medical payments to others who are injured in an accident arising from your premises or personal activities.
- Xtra Features
- Perils
- Optional Coverages
Policy Features
CondoCover
Your condominium is as much of a home as a house is. The Condocover Policy safeguards your:
- Personal property wherever it may be.
- Additions or alterations you make to your premises.
- Loss of use, which covers the additional living expenses you incur due to temporary relocation.
- Loss assessments up to $5,000 imposed upon you if your association's coverage is inadequate.
- Personal liability for bodily injury, property damage or personal injury claims brought against you anywhere in the world.
- Medical payments to others who are injured in an accident arising from your premises or personal activities.
- Xtra Features
- Perils
- Optional Coverages
Policy Features
Mobile HomeProtector
Your mobile home is as much a home as a conventional house. ERIE’s Mobile HomeProtector Policy safeguards your:
- Home and any attached structures.
- Other structures at your premises that are separate from the dwelling.
- Personal property wherever it may be.
- Loss of use to cover the additional living expenses you incur due to temporary relocation.
- Personal liability for bodily injury or property damage claims brought against you anywhere in the world.
- Medical payments to others who are injured in an accident arising from your premises or personal activities.
- Xtra Features
- Optional Coverages
Policy Features
Identity Recovery Coverage
In the time it takes for you to brew your morning cup of coffee, a thief could steal your identity. That means months of frustration, hours on the phone talking to creditors and lawyers, and hundreds – if not thousands – of dollars to restore your good name.
With our Identity Recovery Coverage, you can have peace of mind knowing that if someone steals your identity, help is just a phone call away.
Contact Bryan Insurance today at either our Moundsville office on 304.845.0121, or our Wheeling office on 304.233.5907 and let an experienced insurance professional discuss your insurance options with you.