A Homeowners policy gives you very broad coverage for your home, your personal possessions, and for protection against lawsuits. Most policies allow you to add special coverage for your insurance needs, provides you with discounts and allows a flexible payment plan.
Please complete this Questionnaire for an exact quote.
- Dwelling: We cover your home and any structures attached for most unexpected losses.
- Other Structures: We cover all structures on your property set apart from your home by a clear space for most types of losses.
- Personal Property: We cover personal property owned or used by you anywhere in the world.
- Loss of Use: If you have a covered loss and can’t live in your home, we will pay the necessary additional living expenses you incur in order to maintain the standard of living to which your are accustomed.
- Personal Liability: You are protected against a claim or lawsuit by another person for damages due to bodily injury or property damage.
- Medical Payments: We will pay the necessary medical expenses resulting form accidental injury to others.
Additional Coverage Options
- Replacement Cost Protection: This optional protection means your home is insured for the full cost of repairing or replacing it, regardless of how much it costs. The insurance company will pay the full cost of rebuilding your home even if the cost exceeds the limit of your policy.
- Personal Property Replacement Cost: This optional coverage means that if your personal property is damaged or destroyed by a covered claim the insurance company will pay the full cost of repairing or replacing it even if the present cost is more than you originally paid.
- Personal Injury: This optional endorsement extends coverage to you for a loss arising out of one or more of the following offenses: false arrest, libel, slander, or invasion of privacy.
- Additional Protection: This coverage increases the limit the insurance company will pay for a claim on items such as money, watercraft, business property, jewelry, furs, silver, trailers and with some companies sewer back up coverage is also added.
- many other optional coverage may be added please call the office for more information.