Protection for Yourself, Your Family, and Your Home
Your home provides shelter and security for you, your family and your possessions. It is also your most significant investment. You want to ensure that you have the right amount of financial protection you need should any damage occur to your property.
Gersh Insurance provides homeowners insurance coverage (and renters insurance coverage) that will help you and your family rebuild, refurnish, recover and restore possessions and peace of mind should damage occur. It covers your home’s structure; detached structures such as a garage or shed; personal belongings including furniture, clothing, appliances and much more; loss of use for living expenses when the home is damaged and uninhabitable; and liability protection. We also provide liability protection if someone accidentally gets hurt on the property, if their property is damaged while at your home, or if you unintentionally injure someone while away from home.
Our coverage options include:
Contents Replacement. Provides full replacement cost for personal belongings.
Additional Replacement Cost Protection. Provides the extra insurance you need to rebuild your house if your coverage amount is inadequate.
Personal Injury. Protects you against libel and slander.
Identity Theft Protection. Provides assistance from a consumer fraud specialist and covers expenses related to restoring your good name and financial reputation.
Valuable Items Plus Endorsement. Provides a blanket of coverage that is broader than what a basic Homeowners policy provides. It is the right coverage for people who own valuable possessions such as jewelry, artwork cameras and computers.
Personal Articles Floater. Provides even more comprehensive coverage that the Valuables Items Plus endorsement. It is the right coverage for people who wish to schedule items that have been carefully selected and whose values exceed the limits of either Homeowners policy or Valuable Items Plus endorsement.
Flood Coverage. Flood damage is typically not covered under a homeowners policy. This affordable coverage covers damage to your property and provides cleanup reimbursement.
Pleasure Boat Insurance for small watercrafts.
Our Dwelling Fire policy provides coverage for up to four locations, rental properties, or those residential one and two family properties that might otherwise not be eligible for homeowners coverage. Ideally the locations are good to above average quality with updated dwelling systems, secondary egresses, smoke detectors, CO detectors, railings, and gutters/downspouts; no lead concerns, long-term tenant occupancy up to four families; limited landlord operations; and a value up to $750,000.