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Homeowners Insurance

Homeowners insurance protects your greatest asset.  It also provides invaluable liability protection from an ever increasing litigious world. Understanding the types of home insurance coverage options will help you make choices that are right for you.

Physical Damage Coverage for:

• Your Dwelling

• Other structures such as detached garages or sheds

• Your personal property on or off the premises

• The loss of use to help pay extra living expenses after a loss

Liability Protection:

Gives you protection for liability claims against you by other persons outside of your household.

Optional Coverages:

• Replacement cost on your home

• Replacement cost on your personal property

• Water backups or sump overflows

• Water and waste line coverage

• New homes under construction (Builders Risk)

• Identity fraud 

This outline is intended to highlight the features of the policy but is not intended to imply contractual specifications.  Please refer to policy for detailed descriptions of coverage, limitations and exclusions.