Homeowners

Your Home is your biggest investment! Do you have it insured correctly?

Homeowners insurance covers both damage to your dwelling, personal property, and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.

Basic Homeowners Coverages

Dwelling covers damage to your home and connected structures.

Other Structures covers damage to unattached structures on your property, such as sheds, unattached garages, pools, etc.

Personal Property covers damage to personal property within your home, due to the perils named on your policy.

Personal Liability Protection covers your legal responsibility for injuries or damage to other people or property.

Medical Payments covers medical expenses. Coverage is limited to an amount per person and per accident for injuries occurring on your premises to persons other than an insured, or elsewhere, if caused by you, a member of your family, or your pets.

Additional Living Expenses covers cost for temporary housing, meals, etc., while your home is being restored or rebuilt.

 

Other Products We Offer

Contents Insurance covers all of the tenant’s personal property for a determined amount. The policy also gives you liability protection in the event that someone is injured in your rental home.

Mobile Home insurance covers the mobile home itself, structures on the property, your personal property and personal liability.

Dwelling Fire policies can be purchased for structures that you own, but you don’t live in. This policy will protect a home against the perils specifically named in the policy.

Condo policies cover from the drywall in. This includes your personal property and your liability protection for bodily injury and property damage to others.

Discounts we offer

  • Multi-policy Discount
  • Group Affiliation
  • Home Security
  • Updated Roof
  • Claims Free
  • Senior Discount
  • Protection Devices (fire extinguisher, smoke detectors and dead bolt locks)

Additions to a Home Policy

Scheduled Personal Property – Protects valuable items that are out of the ordinary and need to carry separate coverage to ensure that their full value is covered in the event of a claim. Each item that the insured wishes to schedule needs to be added separately to the insured’s policy and generally an additional premium is charged. Some examples are listed below:

  • Fine Arts
  • Furs
  • Guns
  • Jewelry
  • Musical Instruments
  • Stamps