Home Owners Insurance


Physical Structure of your Home and your Personal Property
Perhaps your top priority.  A loss caused by anything from fire and lightning, windstorm, smoke, freezing and theft, to glass breakage, explosion and the weight of ice, snow or sleet.

Replacement Cost Coverage
Market value does not always equate with the cost of replacing your home. You want coverage for the full current cost of repairing or rebuilding your home and household furnishings, appliances, clothing, or other personal property damaged due to a covered loss.

Loss of Use or Additional Living Arrangements
When your house is damaged so severely it cannot be occupied, your additional living expenses are covered while your home is being repaired.

Personal Legal Liability Protection
You and your houshold members are covered against negligence claims arising from incidents worldwide if you are found legally responsible for bodily injuries or property damages.


Home Replacement Additional Amount of Insurance
If you insure your home to 100% of its replacement cost the insurance companies will provide an additional amount of insurance (the amount varies by company) even if that exceeds the insured amount of the policy.

Scheduled Personal Property
You may want to insure unique or high-valued items such as jewelry, furs, collectibles, and fine arts separately to broaden the covered perils or provide a specific amount of coverage.

Inflation Protection
To help ensure the coverage on your home remains adequate year to year, the dwelling coverage limit is automatically increased at each renewal to an amount reflecting changes in construction costs and other pertinent factors.

Water Back-up and Sump Overflow
Pays for damage caused by water that backs up through sewers or drains and that is not caused by your negligence