By: Shayne Saucier Agent and

Shayne R. Saucier The Shayne Saucier Insurance Agency is a highly recognized and respected insurance agency servicing Southwest Houston through auto, home, flood, life and commercial insurance. We take pride in the quality of our products and the quality of the service we offer.

There are two basic ways to protect your home through the purchase of insurance. The first is homeowners insurance which covers your home and its contents. The second is mortgage protection (an inexpensive life insurance policy that pays off your mortgage in the event of death). Types of Home Protection

The Special Form Homeowners Package Policy covers the dwelling, separate structures and loss of use on an accidental direct physical loss basis and the personal property on a named-peril basis. The named perils include such perils as fire, extended coverage, broad form and theft. In addition, this policy protects you and your family members against damages for which you are legally responsible, arising from bodily injury or property damage. The Special Form Package Policy

The Protector Plus and Townhouse Protector Plus Policies protects against identical perils as the Special Form and adds many additional coverages. The Broad Form Renters Package Policy cover the renter's personal property and building additions and alterations and loss of use on a named-peril basis. In addition, this policy protects you and your family members against damages for which you are legally responsible, arising from bodily injury or property damage. The Protector Plus and Renters Policy

The Townhouse and Condominium Owners Package Policy covers the dwelling and separate structures on an accidental direct physical loss basis and personal property on a named-peril basis. Loss of Use is covered on an accidental direct physical loss basis for Townhouse and on a named peril- basis for Condominium. In addition, this policy protects you and your family members against damages for which you are legally responsible, arising from bodily injury or property damage. Townhouse and Condominium Policy

Here is a list of the named perils covered: 1. Fire or lightning damage 2. Windstorm or hail damage 3. Damage caused by explosion 4. Damage caused by riots or civil disturbance 5. Aircraft damage 6. Vehicle damage 7. Smoke damage 8. Vandalism or malicious mischief 9. Loss from theft 10. Glass breakage 11. Damage caused by volcanic eruption 12. Falling objects 13. Damage caused by collapse due to weight of ice, snow or sleet 14. Freezing damage to plumbing, heating/air conditioning or household appliances 15. Accidental discharge or overflow of water from plumbing or a heating/air- conditioning system 16. Damage from a sudden and accidental discharge of an artificially generated electrical current 17. Damage caused by sudden and accidental tearing apart, cracking, burning or bulging of a heating/air-conditioning system, a fire-prevention sprinkler system or an appliance for heating water

Insurers frequently award lower rates to homeowners who guard against theft, accidents and other losses. And companies may provide discounts to premium for multiple-customers (home and auto). Here are some things you can do that generally qualify for lower premiums: Secure your home with dead bolts and window locks. Install a security system with outside signal and connection to local police. Install and maintain smoke detectors. Install a sprinkler system for fire. Install a fire alarm that automatically alerts the local fire department. Stop smoking. Keep walks and entrance ways clear of snow and ice. Purchase your auto and home insurance from the same company. How to Get the Lowest Rates

Inflation, new purchases, additions -- there are many things that can change the amount of insurance you and your customers need for your home. The best way to know is to reassess the value of your home and possessions on an annual basis and adjust your insurance accordingly. We will be happy to provide you with a no-obligation in- home Farmers Friendly Review to help you. Keeping Your Policy Up-To-Date

Why do business with Shayne Saucier? 24/7 Customer Support Professional Agent and Support Staff Agent who is willing to work on short notice and get the job done right the first time. Committed to bringing you the highest quality service that you deserve!

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