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Important policy information every homeowner should understand
These Terms & Conditions govern your Home Insurance policy with SMINSURES. By purchasing or maintaining coverage, you agree to comply with the terms outlined below.
Coverage applies only to risks specifically listed in your policy schedule. Protection may include dwelling, personal property, liability, and loss of use based on selected limits.
Coverage is subject to deductibles, exclusions, and maximum payout limits. Certain natural disasters may require additional endorsements.
You must provide accurate property details, maintain your home in good condition, and notify SMINSURES promptly of any changes or claims.
Standard exclusions include flood damage, earthquakes, wear and tear, intentional damage, and illegal activities unless specifically endorsed.
Claims must be reported as soon as reasonably possible. Supporting documentation and inspections may be required before settlement approval.
Premiums must be paid on time to maintain coverage. Non-payment may result in policy cancellation or denial of claims.
This policy shall be governed by the laws of the state in which the insured property is located. Any disputes shall be resolved under applicable local regulations.
SMINSURES reserves the right to revise these Terms & Conditions. Continued use of coverage constitutes acceptance of updated terms.
Our licensed insurance professionals are ready to help clarify coverage, exclusions, and policy options.
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