PROPERTY INSURANCE
PRODUCTS AND COVERAGE

    Whether you rent or own your home, you've got a wide range of property insurance products and coverages to choose from.

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

  Personal Property
Provides protection against covered loss to movable property like a stereo, bicycle, furniture or clothing. Most Homeowners, Condominium, or Renter's Insurance Policies set aside special coverage limits for movable personal property, or categories of personal property, like jewelry, money and securities.

  Family Liability Protection
Provides protection for insured persons who become legally obligated to pay for covered accidental bodily injury or property damage to others. This protection does not cover auto liability claims.

  Guest Medical Protection
Provides protection for your guests, who are accidentally injured on your property as a result of a covered loss. This protection pays for the reasonable and necessary medical expenses they incur, regardless of who was at fault.

  Additional Living Expenses
This is coverage to pay for the reasonable increase in living expenses necessary to maintain your normal standard of living when a direct physical loss covered makes your residence premises uninhabitable for up to the amount of time specified in the policy.

* SECOND, personalize your policy with additional coverage such as:

  Replacement Cost Coverage for many of your contents (subject to applicable underlying policy coverage limits). In the event of covered loss, you may be reimbursed for the cost you incur to replace many of your damaged contents with similar property, brand new. The total amount you'd be reimbursed is subject to conditions of your particular policy, including applicable deductible and coverage limits.

  Scheduling Personal Property Coverage - A certain amount of personal property protection is available under your Homeowners, Condominium, or Renter's Insurance Policy, but your personal property protection has limits under these policies. For an additional premium, SPP provides coverage for loss or damage to certain categories of personal and business personal property items whose value or risk potential exceeds the personal property coverage available under Homeowners, Condominium or Renter's Insurance, or under other Optical Coverage Endorsements.

* FINALLY, since most Homeowners, Condominium or Renter's Insurance Policies don't cover flood, find out if you're eligible for Flood Insurance Policy.

Michael J. Burger, Agency Principal
MJB Agency, Inc.
690 N. Broadway, Suite 205
White Plains, NY 10603
Phone: (914) 289-0300 Fax: (914) 289-0769
E-mail: michaeljburger@allstate.com