Home Insurance

Homeowners Insurance

Your home is where you and your family feel safe. Whether you are a homeowner or a renter, your possessions are important.

Make sure you are covered from the foundation to the rooftop with home insurance or renter's insurance that's right for you. Ask us about bundling your home and auto insurance for a quick discount.

Coverage

Pays to repair or rebuild your home and other dwellings on your property in the event of damage or loss.

  • Dwelling coverage: Protects your home and any structures attached to it. This includes electrical wiring, plumbing, HVAC and also structural features such as foundations.
  • Other structures: Protects other structures found on your property that aren't attached to your home, like a garage or shed.
  • Personal property: Protects your personal belongings like furniture, electronics, clothing, and appliances. You should purchase additional coverage for certain special possessions such as jewelry or rare collections.
  • Loss of use: Pays for your living expenses in the event you cannot live in your home due to a covered loss.
Protects your guests should they be injured on your property.

You and your family are protected against bodily injury, damage claims, and litigation.
Medical payments help cover hospital bills and medical care expenses for guests if they are injured on your property. In certain situations it also helps cover people who are injured off of your property. It does not cover healthcare costs for you or other members of your household.
Additional coverage options available:

  • Identity recovery
  • Jewelry
  • Art and antiques, such as cars, furniture, or family heirlooms
  • Wine collections
  • Musical instruments
  • Rare books
Many policy holders are often not aware of the various discounts they can receive through bundling home, auto and other types of policies. Insurance companies value your business and reward customers with bundling and other discounts such as:

  • Home & auto or home & RV
  • Home monitoring system (smoke, fire, burglary)
  • Neighborhood homeowners association
  • New electrical wiring
  • Nonsmoker
These discounts can help reduce your overall premium. Find out what discounts may be available for you and your current situation. Home security systems
A personal umbrella policy is a type of insurance that provides liability coverage over and above your automobile or homeowners policy. So, if your liability coverage isn't enough to pay for the damages of an accident you cause or a visitor's injuries on your property, a personal umbrella insurance policy kicks in right where your underlying policy's coverage left off.

Your home is where you feel safe and where you share your life with friends and family. We want to help you protect your biggest investment, your home, and your most valuable investment, your loved ones. – Sierra Knight Magee


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