AkalInsurance.CA

Home, Auto and Commercial Insurance is written by Asiatic Insurance Brokers.

Whether you own or rent your home and whether that home is a house, apartment or a condominium, I have an insurance policy designed to suit your needs. The three common types of home insurance are Homeowner's Package policies, Tenant's Package policies, and Condominium Owner's package policies.

Home Owner Policy

This policy is designed for people who own a house. A Homeowner's policy is appropriate whether your house is detached, semi-detached, linked, a row or townhouse, or a mobile home.

In order to select the amount of Dwelling/Building coverage you need to purchase for your house you need to determine the Estimated Replacement Cost of your house. For most houses, your broker is able to determine the Estimated Replacement Cost of your house through the use of industry standard calculations which take into consideration the age, size, construction, and features of the house. For unusual or high value houses, an appraisal may have to be completed to determine the house's Estimated Replacement Value. Most insurance companies will insist that the amount of Building coverage on your policy is equal to 100% of the house's Estimated Replacement Value.

Tenant Policy

This policy is designed for you if you do not own the house, condominium, or apartment in which you live. The tenant's Package Policy does not insure the structure you live in since the building is insured by your landlord. However, your landlord does not insure your personal property. A Tenant's Package provides insurance for your home's contents and provides personal liability protection.

To select the proper amount of content's coverage you require a Tenant's Package to provide, you should take an inventory of your possessions, and try to determine the replacement value of your property. Remember that all your possessions including clothing, furniture, and appliances, etcetera are part of the contents of your home. The price of your insurance policy is based primarily on the value if the contents you need to insure, as well as the type of building in which you live. (Insurance for contents in apartments made of fire resistant building materials is lower than for the contents of a house of wood frame construction.)

Condominium Package Policy

A Condominium Package policy is appropriate no matter what type of building you live in-apartment, townhouse, and detached house condominiums all need the same type of insurance policy. Part o f the condo fees you pay are used by the Condominium Corporation to buy insurance for all units in the condominium complex. However the condominium corporation insures the building(s) only and not your other possession. A Condominium Owner's Package insures your condominium's contents, provides Personal Liability coverage, and also provide contingent building insurance for your unit in case the condominium corporation does not purchase adequate building insurance. To determine the amount of Contents Insurance you require, you should try to take an inventory of all your contents and try to determine their replacement value. You should also total the value of the improvements (e.g. upgraded carpeting, painting, new kitchen cabinets, etc.) which you have made to your condominium unit to ensure that your Condominium Package Policy provides enough Betterment's and Improvements coverage for your needs.

Home Insurance Quotation Form

First name
Last name
Street address
Address (cont.)
City
State/Province
Zip/Postal code
Country
Work Phone
Home Phone
FAX
E-mail

Home Description

Construction
Year Built

Have the following items been updated in the past,if the home is past 20 years?
Yes No	Plumbing
Yes No	Heating
Yes No	Electrical
Yes No	Roof
Yes No	Is your home within 8Kms from a Fire Station?
Yes No	Is your home 300 feet from a Fire Hydrant?
Yes No	Do you have a Smoke Detector?
Yes No	Do you have a Fire Extinguisher?
Yes No	Do you want replacement cost coverage on your contents?
Yes No	Are you a non-smoker?
Yes No	If you own autos, would you be interested to combine the autos with the homeowner policy for additional discount?
Coverage Limits
Dwelling
Contents
Liability
Deductible
Yes No	Do you have a pool?
Yes No	If so, is the pool completely fences in?
List of items which you would like to have scheduled for an agreed amount, ie Jewelry, Furs, Silverware:

Have you had homeowners claim or losses within the last 3 years? If so, please explain:

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Commercial Insurance

Businesses use insurance to protect their profits, their assets and equity of their owners and shareholders. Some of the different type of business insurance policies and coverage are Office Package policies, Retail Package policies, Commercial General Liability (CGL) coverage, Stock and Equipment Coverage, Business Interruption insurance, Errors and Omissions insurance, Director's and Officers' Liability coverage, Umbrella Liability insurance, and many more types of coverage. Since each business has its own unique characteristics and needs, it is important to have a knowledgeable professional insurance broker review your business operations and recommend the group of insurance coverages which are appropriate for your business. Not only can your insurance broker help you select the right insurance coverages, but he/she can also select an insurance company which specializes in providing insurance to your type of business.

Requets for Quote

First name
Last name
Street address
Address (cont.)
City
State/Province
Zip/Postal code
Country
Work Phone
Home Phone
FAX
E-mail
Type of Coverage Needed Property General Liability Business Auto Worker's Compensation Professional Liability Tools & Equipment Computer Equipment Excess Liability Errors & Omissions Coverage Boiler & Machinery
Comments

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