The Millstone Times April 2019

REAL ESTATE

ADMIRAL WATER • Well Pumps • Water Softener Installs&Repairs • Removal Of RottenEggSmell • ½PriceWater Softener Systems WE DEMOLISH ANY COMPETITOR’S PRICING WWW.ADMIRALWATER.COM (732) 621-6666 • VETERAN OWNED NJ DEP #517599 NJ DEP WELL PUMP INSTALLER GARRET R CARLSEN LL LIC#0021590

GUTTER LEADERS • ROOF CHIMNEY • SIDING REPAIR AND INSTALLATION

JB Gutter 732.579.2490

LIC #13VH06421700

THE COMPLETE HANDYMAN HOME IMPROVEMENTS

Serving Monmouth, Mercer and Middlesex County “No JobToo Big Or Too Small”

All types of repairs and installations, Finished Basements, Bathrooms, Kitchens, etc.

Lic. #13VH04304300 *Fully Insured

BobYacovelli • 732-735-1540

What does homeowner’s insurance cover? By Lauren Kowlacki

There are two basic types of homeowner’s insurance that indicate whether your personal property and belongings are covered or not, or whether you’re entitled to liability or loss-of-use coverage or not. These policy-types are called named peril policies (covers only types of disasters that are named in the policy) and open peril policies (covers everything except perils not explicitly named in the policy).

Covered perils You’ll be insured against these perils on just about every homeowner’s insurance policy. • Fire • Smoke • Windstorms • Lightning strikes • Hail What does homeowner’s insurance not cover? The most common exclusions that no homeowners insurance company will cover unless under the most generous of circumstances are: • Earthquakes • Floods • Power failures • Neglect • Ordinance of law • Theft • Vehicle collision Broader named-peril insurance policies may also add coverage for: • Accidental water damage • Weight of snow or ice • Freezing of plumbing • Falling objects • Mischievous acts • Bed bugs • Termites • Mold • Sinkholes • Explosions • Vandalism

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The Millstone Times

April 2019