Homeowners Insurance

Your Home, Your Castle

Homeowners protects against damages or losses that result from fire, lightning, smoke, theft and vandalism, among many other causes. They’re every homeowner’s concerns. But you also have individual needs—unique to you and your home—that should be reflected in your policy.

To meet these needs, we offer different levels of coverage. And, you can tailor your policy by selecting among different available limits, deductibles and optional coverages that fit your life.  If there is something special you need, or a special situation such as a high value home, or a specialty material make sure to let your agent know so they can make sure you are in the right program.

Read below for more information on some of the basic coverage options that make up a homeowners policy.

Protect Your Home

Dwelling Property Protection

Dwelling Protection Coverage typically provides protection if your home is damaged by a sudden accident, such as fire, smoke, lightning, vandalism or theft, among other covered losses. With Dwelling Protection Coverage, your house and any attached structures, like an attached garage, would be protected.

Other Structures Protection Coverage

If you have a detached garage, fence, gazebo, barn, shed or any other unattached structure that is still part of your property, protect it against physical damages caused by sudden accidents. Other Structures Protection Coverage is similar to Dwelling Protection Coverage, except it covers those structures that are not physically attached to your house.

Personal Property Protection

Your home is more than just the walls of your house; it includes all of your personal belongings, big and small. Personal Property Protection provides protection against covered loss to movable property like a stereo, bicycle, furniture or clothing.

Protect Yourself and Others

Family Liability Protection

If a friend or neighbor were accidentally injured on your property, you could be legally obligated to pay. Family Liability Protection provides protection for insured persons who become legally obligated to pay for covered accidental bodily injury or property damage to others. This protection does not cover auto liability claims.

Guest Medical Protection

Unfortunately, accidents sometimes happen. Guest Medical Protection provides protection for your guests, who are accidentally injured on your property as a result of a covered loss. This protection pays for the reasonable and necessary medical expenses they incur, regardless of who was at fault.

Additional Living Expenses

If a covered loss occurs to your home and you’re forced to quickly find alternative housing, Additional Living Expenses can help. If a direct physical loss makes your home uninhabitable, Additional Living Expenses reimburses you for a reasonable increase in living expenses necessary to maintain your normal standard of living, up to the amount of time specified in your policy. This may include payments for the additional costs of a place to stay, food and/or other increased living expenses.

Optional Coverages

Scheduled Personal Property

If you’d like to protect certain items that you keep in your home or on your person (such as an engagement ring), Scheduled Personal Property Coverage might be the right protection for you. You can receive increased protection for many items including, but not limited to, jewelry, watches, furs, stamp and coin collections, fine arts, cameras, personal computers and sports equipment. Ask me if Scheduled Personal Property Coverage is right for you.

Additional Optional Coverages

Several Optional Coverages are available to help broaden the protection you receive. These include Increased Coverage on Securities and Extended Coverage for Jewelry, Watches and Furs, Mechanical Break Down/Appliances, and Service Line (water main and sewer lines). You can also receive protection for business property and certain technology investments. Contact me to find out more about increasing protection for specific items of value in your home.