The Heyler Co. represents the A+ Travelers Insurance Company. Please contact The Heyler Co. for a competitive homeowners quote. We do offer earthquake coverage! Our policies are written with guaranteed home and personal property replacement values.
We can save you $$$$ by offering you deductible choices. You can save up to 33% of your homeowners premiums by taking higher deductibles.
A deductible is the amount of money that you pay in a claim. The insurance company pays for the amount of damage in a claim less your portion or deductible.

This is meant to be a general overview. Please read your policy for specific coverage.

Q. Does my policy cover plumbing repairs?
A. The key is whether the problem is a "sudden break". Leaky pipes are not covered but a pipe that bursts and damages your property would be covered. Remember that the pipes themselves are not covered by any damage done to floors or walls is covered.

Q. What is the difference between "medical payments" and "liability" coverage?
A. Liability covers your defense if someone should sue you because they got hurt on your property or as a result of your activities. However, you cannot have a "criminal" intent. If you accidentally should hit someone or their car with a shopping cart, you would be covered.
If you deliberately hit them, you would not be covered. Medical payments cover you if someone gets hurt but you are not legally responsible. Typically medical payments are called "emergency room" payments. If your neighbor should spill a cup of coffee on their arm and burn themselves, your medical payments coverage would cover a trip to the doctor.

Q. Is damage done by pets covered?
A. Generally damage done by pets is not covered. Damage done to your personal property by birds would ordinarily not be covered.

Please contact us for more details.