Home Policies

Your home and personal belongings are among the most expensive items you will purchase in your lifetime. Make sure you take the necessary steps to protect your investment. Whether your home is a house, condominium, manufactured home or duplex (even if you are a renter) it is essential you are properly protected and insured.

A homeowner policy is a protection package that provides coverage for your property, medical payments for others, and protection against claims someone else makes against you. This type of policy is available for primary residence homes occupied by the owners.  Below are type of coverage we offer.

Coverage Types:

Dwelling coverage
This coverage provides for the repair or replacement of your damaged or destroyed home and attached structures, such as a garage or deck.

Coverage for other structures
This coverage provides for the repair or replacement of other permanent, separate, unattached structures on your property.

Personal property coverage
This coverage provides for repair or replacement of your furnishings and personal items, such as your TV, stereo, clothing, dishes, etc.

Coverage for loss of use or additional living expenses
This coverage pays for your living expenses if your house is deemed unlivable. For example, if you can’t stay in your home due to a broken pipe that floods your home or a fire burns down your house.

Medical payments coverage
This coverage pays the medical expenses of others when they are accidentally injured on your property.  Generally, this coverage is limited to any non-resident on your property with your permission. This coverage also is called “good neighbor” coverage.

Personal liability coverage
This coverage pays expenses for bodily injury and property damage sustained by others when you are legally liable. For example, if you knew you had a loose deck railing and someone leaned on it, and fell off your deck and was hurt, you would be liable.