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... 160 Fire or lightning &# 160 Windstorm or hail &# 160 Explosions &# 160 Riots or civil commotion &# 160 Aircraft and other vehicles &# 160 Smoke &# 160 Weight of ice, snow, or sleet &# 160 Freezing of plumbing, heating, air conditioning, or other household systems &# 160 Theft or vandalism &# 160 Falling objects &# 160 Your Business &# 160 Commercial or business insurance offers property and liability coverage whether you operate from your home or another location. While homeowners insurance ... cover business property within specified limits, it typically is insufficient and does not protect against lawsuits related to your business activities. Selecting the right insurance is just as important as the choices you make for company stationery, equipment, or services. Your independent insurance agent can help you review your options and tailor coverage that best meets your needs. &# 160 Kay &# 160 Kay is the owner of an upscale antique shop in a trendy part of town. Her sales have grown steadily during the past several years with the public's ... property for the actual cash value or the replacement cost, which determines the amount of compensation you receive. Replacement value enables you to replace property at the current market price, regardless of its age or condition-whereas, under actual cash value coverage, depreciation for age or condition is deducted from the replacement cost, reducing your compensation. &# 160 Renters insurance provides coverage for your personal property when you pay to live in a building owned by someone else. Personal property includes all of your household possessions. You are protected from disaster ...

... Freezing of plumbing, heating, air conditioning, or other househol...olidate her existing multiple policies and purchase a package policy.   ...