Homeowners Insurance Your home isn't just a house, but the place where you live with your loved ones, make eternal memories, and restore your soul at night. Also your home might be your single greatest asset so buying great coverage is more important than ever. Although disaster can strike, it doesn't have to be financially devastating. From small losses to huge disasters, we have many insurance solutions for you.
Homeowners Insurance
As an independent agency, we give you OPTIONS. We work with many insurance companies which allows us to offer you competitive rates with excellent coverage. As an independent agency, we can shop your insurance with MANY different companies to find a solution best for you, both in affordability and coverage.
Homeowners Insurance Policy Coverages COVERAGE A - DWELLING Protects your house and any structures attached to your home, like your garage and
porch.*
COVERAGE B - OTHER STRUCTURES Covers separate structures on your property like a detached garage, shed, or gazebo.*
COVERAGE C - PERSONAL PROPERTY Covers your personal belongings. Some property is subject to a special limit of
liability and should be scheduled separately.*
COVERAGE D - LOSS OF USE Covers additional living expenses related to maintaining the normal standard of living
of the household after a loss. For example your hotel stay and additional food
expense to eat out.*
COVERAGE E - LIABILITY Covers you against lawsuits for injury or property damage that you or your family
members cause to other people. It also pays for damage caused by your pets. The
liability coverage in your standard homeowners policy pays both for the cost of
defending you and for any damages a court rules you must pay. With a few
exceptions, such as auto or boating accidents, your liability coverage follows you
wherever you go.*
COVERAGE F - MED PAY Medical payments compensates others who sustain an injury while on your property,
or whom you injure accidentally. (Like a guest your child accidentally hits with a badly
pitched ball.) This coverage excludes the people who live in your house. An important
feature of this coverage is that payment is made regardless of legal liability.*
ADDED COVERAGE (ENDORSEMENTS) We have access to dozens, if not hundreds of different endorsements to expand and enhance your coverage, providing you a solution that is tailored to your needs. Also, many of which are available for less than $30/year. Endorsements that we commonly offer are:
WATER BACK-UP Covers water that backs up from below ground
through sewer or drain pipes.*
UTILITY LINE COVERAGE Covers underground plumbing such as sewer,
drainage and water lines, electrical lines, and
communication lines.*
EQUIPMENT BREAKDOWN Covers sudden and accidental breakdown of your
home equipment such as your generator, well pump,
or pool heater,
PERSONAL INJURY*
Covers non-bodily injuries, such as libel, slander,
wrongful entry, and false arrest.*
SCHEDULED PERSONAL PROPERTY Schedule personal property such as jewelry, guns,
bikes, cameras, coins, art, jewelry, instruments,
silverware, stamps, golfers equipment, and furs.*
ADDITIONAL LIMITS OF LIABILITY FOR
COVERAGE A, B, C AND D*
Extends coverages A-D to replacement cost or
125% of current limit in the event of a shortfall.*
*The information provided here may not apply to all insurance programs. Please complete an insurance
application and consult with one of our agents to determine eligibility. The descriptions in this guide do
not represent contract terms.
Exclusions and deductibles apply. Please consult one of our agents for an explanation of coverages and to
help you find a homeowners insurance program that meets your needs and circumstances.
Get your free Home Buyers Insurance Guide here. This provides practical information on purchasing homeowners insurance for your new home and getting the best discounts.