Once you request a home insurance quote, we’ll help you figure out the best policy that fits your budget and the type of coverage that you want!

Coverage That You Can Include in Your
Home Insurance Policy

Protecting Your Possessions

Not only our policies provide coverage for losses to buildings, structures or dwellings, but they cover your personal possessions, too. This means coverage for things like clothing, furniture, appliances, computers and even food. Most homeowner’s policies will provide the money to replace the lost or damaged items, less any depreciated value. In other words, your personal property is covered for its Actual Cash Value.

For homeowners that prefer more complete coverage of their personal belongings, Replacement Cost coverage is available. Should a loss occur with Replacement Cost coverage in place, we will give you the funds to replace the personal belongings for what they would cost to purchase today. There will be no deduction for an item’s loss in value over time due to depreciation.

Replacement Cost coverage is available for an additional charge and is subject to the terms, conditions, limits and exclusions listed in your homeowner’s policy.

Find some of the exclusions


Additional Living Expense Coverage

If you are unable to live in your home as a result of a covered loss, we will pay the cost to live somewhere else until you are able to move back home. This additional living expense coverage is subject to policy terms, limits and conditions.


Coverage for High Value Items

Certain pieces of personal property that are worth an exceptional amount of money require special coverage. In order to cover items such as artwork, jewelry and collectibles, additional coverage is required. Please contact us for more information.


Liability Protection

In the event you are sued by someone for property damage and/or personal injury sustained while at your home, we provide liability protection. This coverage is subject to the terms, conditions and exclusions of your policy. In order to be eligible for liability protection, the following requirements must be met:

  • The owner of the property must reside in the home for at least nine months in a given calendar year, unless the property is a seasonal or secondary home. In that case, the owner must reside in the property at least four months in a given calendar year.
  • The property must be the primary residence of the owner and actually occupied by the owner.


Other requirements for the issuance of a Homeowner’s Policy include:

  • The covered property must be a private residence
  •  The policyholder must be the owner of the covered property
  • Only two or fewer families may live at the covered property. This means duplexes can be covered, as long as the named policyholder also lives in the insured living unit.
  •  Only two or fewer boarders are allowed for each family.

Note: Revocable trusts may be issued a homeowner’s policy if requested by the insured.


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