Title

Finding the Right Coverage for Your Residential Property

HOMEOWNERS INSURANCE

WHY WE DO BETTER ON HOME INSURANCE?

• “A” RATED – Companies
• Experienced Agents
• Better New Rates 
• Quick Turn Around
• Excellent Reviews

WHAT DOES HOMEOWNERS’ INSURANCE COVER?

We offer a range of home insurance policies to cover you in the event of theft, water backup, personal injury, and other types of losses. We not only cover your home but also you, your family, and your personal belongings.

Basic homeowners’ insurance coverages

Dwelling

It helps protect your home’s structure, built-in appliances, and wall-to-wall carpet from damage.

Contents

It helps cover your personal property not attached to or built into your home, such as furniture and clothing.

Personal Liability

If an accident occurs in your home that damages someone or something, personal liability can help pay for covered damages.

Medical payments to others

May help pay for medical or funeral expenses of someone who is injured on your property.

Ordinance or law insurance

May help pay to rebuild your home to current building codes after a covered loss.

Other structures

Covers additional structures not attached to your house, such as a shed, fence, barn, or detached garage or gazebo.

Loss of use

Coverage to help pay for additional living expenses if you’re unable to live in your home due to a covered loss.

Credit card coverage

Pays up to your selected limit for unauthorized transactions on your credit cards and bank debit/ATM card. Also applies to forged checks and counterfeit money.

Optional homeowner insurance coverages

Identity theft

Provides additional coverage for high-value items such as jewelry, watches, antiques, and fine art.

Valuables

Provides additional coverage for high-value items such as jewelry, watches, antiques, and fine art.

Replacement cost

Can pay up to an additional 20%-50% of your property coverage limit if your home needs to be rebuilt after a loss.

Water backup

Expands coverage if water backs up through your sewer or drains, or your sump pump overflows.

Earthquake

Provides additional coverage for earthquake damage. A separate deductible applies.

WAYS TO SAVE ON HOMEOWNERS INSURANCE

Bundle homeowners + auto

Save another 10% or more when you combine home and auto.† Your discount will be applied to your home and auto policies.

Alarm systems and safety devices

You could earn extra discounts for fire alarms, burglar alarms, automatic sprinklers, and security systems in your home.

Quote in advance

Plan ahead and save. Get a home insurance quote 10 days before your actual policy starts to save.

New purchase

Earn an extra discount if you’re purchasing a new home.