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S.A.M. Home Insurance
Here at S.A.M. Insurance Company it is our duty to protect our client even in the midst of disaster. That is why we offer the best homeowners insurance. This is a package policy, meaning that if your home/ personal propertygets damaged, or for any reason that something goes wrong we are here to help make things easier for you.

What does S.A.M. Home Insurance Offer?

 * Coverage of personal belonging in the home
 * Liability protection
 * Living Expenses- (additional)
 * Structure

Packages
Personal Belongings-Before purchasing a package for your personal belongings it is best to have a home inventoryfirst. This helps determine how much insurance you will need to cover any damage that may happen. After the inventory you can then decide how much insurance you would like for your belongings.

Liability- Liability insurance is to protect you if someone tries to file a lawsuit against you or anyone in your household. If there is property damage/ injury created by you or a member in your household to the person filing the lawsuit you will be covered.

Living Expenses- If there has been damage done to your home we will cover the costs of meals, and hotels while your home is getting fixed.

Structure- If there is structural damage or peril caused by fires, lightening or other natural disasters done to your home this package will cover the cost of rebuilding, or fixing the problem. This includes a guaranteed or extended replacement cost coverage.

The standard procedure for insurance is to offer actual cash value for your property or possessions. Due to depreciation the actual cash value may not be enough to replace what you have insured. If you plan on replacing insured items you may want to consider upgrading to a full replacement policywhich would reimburse you for the replacement valueof your possessions.

Policies
HO-1 Limited coverage policy HO-2 Basic policy HO-3 The most popular policy HO-4 Renter HO-5 All Inclusive HO-6 Condo co-op HO-7 Mobile Homes HO-8 Older Home

Prices
Prices will vary depending on the package you get and what you plan to cover with your insurance. Even Though the prices do vary here at S.A.M. Insurance Company we promise that are prices are the best and if not we will meet our competitions price and take another 10% off. For additional ways to save money check out "Twelve Ways to Lower Your Homeowners Insurance Costs" []

"What is a standard homeowners policy?." Insurance Information Institute, Inc., n.d. Web. 8 Oct 2010. [].

"How much homeowners insurance do I need?." Insurance Imformation Institute, Inc., n.d. Web. []