Homeowner Insurance

Your home is a valued possession. Whether you live in a house, condominium or apartment, your home is a vital asset to you and your family and you want to properly protect it.

Homeowners insurance includes two areas of protection—property and liability. The property protection includes your home, other structures on the premises, and your personal property. The liability insurance protects you for accidental bodily injury to others that is attributed to the actions of you or your family members. *Ask us about limitations of this coverage.

While the basic Homeowners Policy offers broad protection, companies place necessary limits on that protection to make the policy affordable. If your protection needs exceed the limits of the policy, you can tailor the policy with protection options. These include:

Protection Options

Back-Up of Sewers and Drains to repair damage caused to your home after water backs up through a sump pump, toilet or drain. While this is an optional coverage, Water Backup is a frequent claim homeowners face.

Home Based Business protects your business property and/or business liability for your business operations from your home.

Earthquake protection for earthquake damage to your home.

Expanded Replacement Cost pays to replace your home for up to 25 to 50 percent beyond your policy limits, in the event of a covered loss. (The percentage varies by policy.) This valuable extension comes in handy when widespread regional damage drives the cost of materials up and contractors are paying overtime wages.

Identity Theft offers services to help protect your family, finances and future if you ever become a victim of identity theft.

Inland Marine Protection broadens the causes of loss or increases the amount that would otherwise be paid for certain types of personal property.

Loss Assessment pays your share of a property association member's assessment levied against all members due to direct loss to property collectively owned by the members, liability for which your personal liability applies, or liability for acts of volunteer directors, officers, or trustees on behalf of the association.

Personal Injury Liability protects you against claims of libel, slander and false arrest.

Replacement Cost pays the full cost of repair or replacement of your home and contents without deduction for depreciation in the event of a covered loss up to the policy limits subject to policy terms.

Additional Items Bicycles, Coins and Stamps, Firearms, Jewelry, Boats, Computers, Fine Arts & Antiques, Musical Instruments, Camera, Hearing Aids

Save Money On Home Insurance

Insurance carriers will reward you for efforts to reduce the likelihood of a loss by offering discounts. Since these vary considerably from one company to the next, ask us what discounts you are eligible for and if there are other ways to reduce your premium. This is a sampling of the discounts:

  • Smoke, Fire, and Bulglar Alarms
  • Newer Home
  • Sprinkler System
  • High Deductible
  • Multi-Policy Discounts
  • New Roof
  • Loss Free
  • Deadbolt Locks

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