Personal Homeowners

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A home may be the largest and most important investment you’ll ever make. So it’s critical that you have a homeowners insurance policy that covers it completely, no matter how unique your coverage requirements. We can provide you with excellent basic protection, plus any customized coverage options your situation requires.

Your basic policy will provide coverage of:

Your Home and its detached structures (garage, storage sheds, etc.)
Personal Possessions including appliances, clothing, furniture and other items
Personal Liability for protection from claims or lawsuits brought against you by individuals who sustain injuries or property damage while in your home
Living Expenses for loss of use when damages to your home render it uninhabitable

Replacement Cost Protection - If your basic coverage doesn’t provide enough extra insurance to rebuild your home, this option will.
Contents Replacement - Covers the cost of replacing your belongings
Valuable Items Replacement - This extends the coverage your basic policy provides on certain valuables such as artwork, jewelry, cameras or computers.
Personal Articles Replacement - Comprehensive protection that covers those special items whose value exceeds what the homeowners policy or the valuable items rider will normally replace.
Flood Coverage - This offers protection for your property when it’s been damaged by flooding, which homeowners insurance typically does not cover.
Umbrella Policy - Provides up to an additional $5,000,000 in liability protection.
Personal Injury Coverage - Protects you against lawsuits for libel or slander.
Identity Theft Insurance - If your identity has been stolen, this assists you in re-establishing your financial reputation by covering the cost of a consumer fraud specialist and related expenses.
Earthquake Supplement - Provides protection for damage resulting from seismic earth movement for your home and personal property, other structures, and additional living expenses.
Windstorm & Hail Coverage - Protection against damage done to property by unusually high winds, cyclones, tornadoes, or hurricanes.