C L Brown & Associates insurance services in the des moines iowa area insurance for -condo- condominium condo house homeowners renters condo insurance services in des moines ia

Cher Layne Brown Insurance Des Moines IA

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ANPAC® condominium owner’s policy combines the protection of a renter’s policy with the advantages of a homeowner’s policy.

Some of its unique features include:

Personal property covered on replacement cost basis (no deduction for depreciation).
$2,500 coverage for direct physical loss of jewelry, watches, furs, precous and semi-precious stones, subject to maximum of $1,000 per article.**
$5,000 coverage for computer hardware and software, personal or business. **
$1,000 for accidental death to you or resident relative, under age 21.
$2,500 for business property on the premises and $1,000 for business
property away from the premises. ***
$2,500 for loss by theft of silverware, silver-plated ware, goldware, gold-plated ware, and pewterware.**
$3,000 for loss by theft of guns. **
$2,000 coverage for watercraft, including trailers, furnishings and
outboard motors.
$1,500 coverage for trailers not used with watercraft.

In addition to the above benefits, coverage of $1,000 is provided to pay your share of loss assessments from your condominium association.

Your policy will also pay up to $2,500 for the legal obligation of an insured due to the theft or unauthorized use of credit cards, or loss to an insured caused by forgery or alteration of any check or negotiable document.

ANPAC®’s policy protects you against many perils including:

Fire/Lightning
Aircraft
Vandalism
Smoke from Hostile Fire
Windstorm/Hail
Riot/Civil Commotion
Glass Breakage
Water Discharge/Overflow
Explosion
Vehicles

ANPAC®’s protection package also includes:

Medical payments to others up to $1,000
Physical damage to property of others up to $1,000
Personal liability protection anywhere in the world
Legal defense
Loss of use

* Up to 10% of the personal property coverage limit.

** This amount or up to 2% of personal property coverage limit, whichever is greater.

*** This amount or 1% of personal property coverage limit, whichever is greater.

Representing


American National Insurance Company, Galveston, TX	American National Property And Casualty Company, (ANPAC^®) Springfield, MO

All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this Web site are provided through multiple companies. Each company has financial responsibility only for its own products and services, and is not responsible for the products and services provided by the other companies.

Personal lines and commercial products and services are made available through American National Multiple Line Exclusive Agents and may be underwritten by American National Property And Casualty Company (ANPAC®), Springfield, Missouri, or one of its subsidiaries or affiliates: American National General Insurance Company; Pacific Property And Casualty Company (California residents); ANPAC Louisiana Insurance Company (Louisiana residents); American National Lloyds Insurance Company and American National County Mutual Insurance Company (Texas residents). Life insurance and fixed annuity products are issued through American National Insurance Company, Galveston, Texas.

Disability Income products and services are issued by Illinois Mutual Life Insurance Company, Peoria, Illinois.

Tax issues that may be discussed are subject to change, and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of coverages available are for illustration purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy. For more information about coverage options and availability, talk to your American National agent. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to other sites not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.