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HOMEOWNER'S

 

GET TO KNOW YOUR HOMEOWNERS COVERAGE

Dwelling Coverage

Dwelling coverage can help you pay to repair or rebuild your home if it is damaged by a covered event. Typically, you will want to have enough dwelling coverage to cover the estimated cost to repair, rebuild and replace your property.

Other Structures Coverage

Other structures coverage can help pay for covered damages to detached structures on your property like garages, sheds and fences.

Personal Property Coverage

Personal property coverage can help you pay for the personal items in your home that may be damaged or destroyed by a covered cause of loss, which could include your furniture, clothes, sporting goods and electronics. Special limits of liability may apply to certain items.

Loss of Use Coverage

Loss of use coverage can help pay your additional living expenses if you must move out of your home temporarily while it's being restored. This is typically subject to coverage terms and limits.

Personal Liability Coverage

Personal liability coverage can help protect you in the event of a claim. It also helps cover related costs if a legal suit is brought against you or a member of your household for bodily injury or property damage to others.

We offer many other personal insurance coverages, and discounts so if it is not listed here call or email us today for more information.

GET TO KNOW YOUR HOMEOWNERS COVERAGE OPTIONS

SPECIAL PERSONAL PROPERTY

This special coverage for personal property or contents can provide broader protection for your possessions in the event of a covered loss. It can cover your personal property in more situations than a homeowners policy.

REPLACEMENT COST

Personal property replacement cost coverage helps cover personal property losses based on their replacement cost at the time of loss, with no deduction for depreciation. The coverage is subject to applicable policy limits and deductibles and special limits apply to certain items such as jewelry and watches.

WATER BACK UP

If water backs up from a sewer or drain within your home, or if water discharges or overflows from your sump pump, this coverage can help cover the loss up to a specified dollar amount. This does not include coverage for flood or surface water backup.

BURIED UTILITY LINE COVERAGE

Many homeowners do not know that the repair or replacement of service lines on their property may be their responsibility— and that homeowner’s insurance policies typically do not cover damage to them.


With Buried Utility Lines Coverage the homeowner is covered when one of these lines leaks, breaks, tears, ruptures, collapses or arcs. Should a covered loss occur, coverage is available to pay for the damage to the utility line, excavation costs and expediting expenses to make repairs.

ID THEFT

Falling victim to identity fraud could tarnish your name, ruin your credit, compromise your financial and medical history, or drain your assets. Once the damage is done, the road back to restoring what was yours can be both time-consuming and expensive.  TIA identity fraud expense reimbursement coverage can cover expense reimbursements up to $25,000.

EXTENDED REPLACEMENT COST

In the event of a catastrophe, soaring demand for building materials and labor could cause reconstruction costs to increase, leaving policy limits inadequate. That’s where extended dwelling coverage kicks in.

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SAVE MONEY WITH OUR HOME INSURANCE DISCOUNTS

MULTI-POLICY

Save up to 12% on average on home insurance when you have an auto policy and 3 other policies. These can include umbrella, boat, or a personal articles floater.

HOME BUYER

Available to customers who have purchased their home within 12 months prior to the policy effective date.

LOSS-FREE

Offered to eligible customers who have not experienced a loss within a specified time period.