Homeowners Insurance

Your home is more than four walls and a roof. It's a symbol of your security and prosperity. And, it's probably your biggest investment.

Also, inside those walls are possessions and valuables that make your house a home—and those items need protection as well. A standard homeowners policy safeguards your home and possessions against:

• Sudden and accidental damage from electrical current
• Fire and lightning
• Windstorms and hail
• Explosions
• Smoke damage
• Freezing
• Theft
• Glass breakage
• Falling objects
• Weight of ice, snow or sleet
• Accidental discharge of water or steam
• Vehicles
• Vandalism and malicious mischief

If you would like more information on our Homeowners Insurance products,
please click here to request a no-obligation quote.

Scheduled Items

Items such as jewelry, furs, silver, collectibles and other valuables need to be insured separately (scheduled) to make sure that in the case of a loss you can recover their stated value. Your items are assessed when you begin the policy and the value obtained is written into the policy.

Discounts

Ask us about homeowners discounts (varies by insurance company) that make our coverage even more affordable:

• Security or fire alarm discounts
• Sprinkler system discounts
• Account credit (insuring both your home and auto with the same carrier)
• Non smoking discounts
• Mature homeowners credits
• Loss free discounts
• Safe home credit
• Renewal Credit

Exclusions

There are common misunderstandings regarding coverage in homeowners policies. For example, here are some examples of items that are not covered by standard homeowners insurance policies:

• Coverage from flood
• Earthquake coverage
• Damages from mold
• Damages from vermin, rodents, termites or other infestations

If you would like more information on our Homeowners Insurance products,
please click here to request a no-obligation quote.