Home Insurance

Insuring your biggest investment!

Home Insurance

Insuring your biggest investment!

Home Insurance

Our agents can offer helpful information regarding Homeowners, Condominium and Renters insurance. They will educate you about choosing the best coverage amounts, different types of homeowners insurance, and much more, each designed to achieve a level of insurance protection custom fitted just for you.

A Brief Guide to Homeowners Insurance

1. The Structure of Your Home
Dwelling coverage protects the walls, ceiling, roof, and other structural elements of your home against damage by storm, fire, vandalism, falling objects, and other dangers. However, normal exclusions include damages caused by flood, landslide, sinkholes, or earthquakes, but you can usually purchase extended coverage to protect against these for an additional amount.

2. Your Personal Belongings
homeowners insurancePersonal items like clothing, furniture, appliances, electronics, and other belongings are also covered against damage, destruction, and theft. You may need a rider—an additional coverage term that “rides” on your primary policy—to cover certain items of high value like jewelry, artwork, or collectibles. Ask your agent what your limits are and if you need additional protection.

3. Liability
Homeowners insurance guards you against liability in the event that you or a member of your household should accidentally injure someone else or damage their property. This includes pets, so if your dog should bite a neighbor, your homeowners policy will pay for medical treatment and any legal fees resulting from the incident.

4. Additional Structures
Homeowners insurance usually covers additional structures on the property. Attached structures like decks and built-on garages are usually covered automatically, but you may need additional coverage to protect detached structures like fences, sheds, or other outbuildings, depending on the insurer.