Homeowners Insurance covers interior damage, exterior damage, loss or damage of personal assets/belongings, and injury that arises while on the property. When you make a claim based off of one these perils, you are required to pay a deductible amount that you choose. We will work with you to make sure you choose a deductible that best suits you and your living situation.
Every Homeowners policy also has a liability limit, which is what determines how much coverage you have in the event of a disastrous event. The standard is set at $100,000, but you can (and should) opt for a higher value based on the value of your home because this is the money that will be used to rebuild the house as well as be used for living expenses in the time you are without the home. As with all other things, we are here for you and to make your insurance experience easy and simple. Along with finding you the best rates, we will ensure that you understand what you have on your policy.
Property Protection
If your home is damaged, our homeowners policy helps cover costs of damage from fire, windstorms, hail, theft, and other covered losses. And while your home is being repaired or rebuilt, we’ll help cover temporary housing expenses, so you and your family can get back on your feet faster.
And we know that your home is more than your house, it’s also the things inside that make it yours. Our personal property coverage protects the important possessions inside your home — from your kids’ tablets to your grandmother’s piano.
But, if you’ve got unique valuables to protect, like wedding rings, family heirloom jewelry or an art collection, it’s smart to add scheduled property coverage to your policy. This extra coverage will help pick up where your regular property protection ends, and make sure your most valuable possessions will always be protected. Your agent can help explain the details.
Liability Protection
Accidents happen. If someone is accidentally hurt on your property and you’re legally liable, our liability coverage will help keep you financially protected, so you can keep your future plans on track.
Added Coverage, Extra Peace of Mind
Your household is made up of many moving parts, which is why we offer optional coverages for you to build a homeowners insurance policy that fits your unique needs. Here’s a small sampling of additional home insurance coverages you can add on to your policy for additional charge. For a complete list, connect with your agent and discuss the best protection options for your home.
Home-based businesses. Growing your business dream from the comfort of your home office? We offer liability coverage and business property protection for small-scale home-based businesses, so you can worry less about the logistics and focus more on your entrepreneurial ventures.
Sewer backup and sump pump overflow coverage. If your sewer backs up or sump pump overflows, our backup and overflow coverage may provide extra protection for your peace of mind.
More buildings, more protection. Have a detached structure on your property? We can add protection for that, too! Connect with your agent to discuss what’s eligible for additional coverage.
Identity theft protection. Protect your good name and your credit with this low-cost coverage, which protects you against the high costs of restoring your finances and identity.
