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It’s just a house until you fill it with all your amazing stuff and call it home.
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At Nuera we keep it simple; we’ve done the thinking for you and have created an all-inclusive home insurance package with all the bells and whistles you need. You don’t have to worry about confusing insurance lingo or second-guessing what’s covered. You choose which package suits you, and we’ve covered the rest.
Here's what’s important to know about our all-inclusive package:
The property you’ve decided to call home is an important one, with lots of different things to cover. From the roof, to the hardwood floors and granite countertops, we make sure your home will be replaced or fixed just as good as you had it before, if not better. This also includes decks, garden sheds, that treehouse you swear you were going to finish but never got around to…
This will cover all your personal belongings, AKA your “stuff" in case of theft, fire, water damage or pretty much anything else that could happen. From your collection of shoes to that vintage guitar you never play (but will…someday), your contents are all the things you’ve bought, meant to re-gift and borrowed but forgot to return to a friend.
If someone, let’s call them that guy, steals your identity, your policy coverage will kick in to cover most expenses you will incur due to the damage that was caused. This includes everything from legal fees to professional fees charged by lawyers or notaries to defense costs and even cover loss of income! The coverage even extends to your spouse, children under 21 and relatives living in your home.
Home Systems Protection
If your fridge, stereo, dishwasher, or other electronic item decides to spontaneously combust, this coverage will kick in to replace the item you lost. Being a homeowner can be costly, so we want to help keep a little extra money in your pocket should something accidently happen.
Guaranteed Replacement Cost
This covers the cost of replacing all your contents and your home itself. This means that you get what it will cost to get an item of like-kind & quality. If your home burns down and it costs $400,000 to rebuild at today’s market prices, but it’s only insured for $350,000, you’ll get the home built at the $400,000 price and won’t be charged extra!
As the saying goes, accidents happen. For instance, if the delivery guy slips and injures himself, your insurance policy will extend to cover liability claims. Or if you’re out golfing and hit an amazing shot right in to someone’s head, the lawsuit will be paid by your liability coverage.
You shouldn’t be punished for mother nature’s actions. If there is water that comes in to your home from sources like heavy rains or an overflow of a body of water, we’ve got you covered. Water issues are one of the highest claimed loss reasons, so we built our package to protect you and your home.
Gross right? Your insurance policy will cover losses from the backing up of sewage into your home or damage caused by water escaping from appliances or a pipe that bursts. This is especially important for finished basements as sewage claims can cost several thousands of dollars to clean up and repair.
Service Line Coverage
When pipes or wires coming in to your home are damaged, this coverage will kick in to cover the thousands of dollars to dig up your yard and fix the damage underneath. The city will cover the pipe or wire damage up to your property line, but everything else on your property is on you to fix.
There are many discounts that can be applied to your policy. You could save if you have an alarm system, have had previous insurance without claims, or if you bundle multiple insurance policies. We encourage you to be thrifty and ask us how you can save.
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Buying a home may be one of the most important and expensive decisions of your life! It should be a no-brainer that the insurance you buy to protect that investment is just as well-thought out, with all the homework done on it.
They say, "Where there's smoke, there's fire." In fatal, preventable house fires, the #1 ignition source is smoking materials, such as cigarettes.
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