Secure Futures Insurance Agency 8700 West Bryn Mawr Suite 600 South Chicago, Illinois 60631 Phone: 773-380-9700 Fax: 773-380-9711 e-mail : sfia@securefuturesinsur.com Today is
	Homeowners Insurance There are substantial differences in coverage from one homeowners policy to the next. Some companies have added numerous exclusions and limitations on their policies in recent years. The list below highlights some areas where policies may differ: guaranteed dwelling replacement cost loss settlement provisions  breakage of scheduled items  ordinance & law coverage water backup coverage limits for unscheduled jewelry, watches, furs, guns, & money goodwill payments money coverage  business property libel & slander all risk vs. named perils coverage Policy Difference Example* Your house burns down. You expect your house to be rebuilt. It costs more to rebuild your house than the dwelling coverage limit on your policy. Does your policy pay for the total rebuilding cost?  Company A: No. It pays only up to the limit shown under dwelling coverage limit.  Company B: Maybe. It pays up to 10% over the amount shown under the dwelling coverage limit.  Company C: Yes. It pays to rebuild the house regardless of the cost. *Information is based on policies issued in Illinois and may vary in other states. Please refer to the contracts for specific information. BACK