Homeowner’s Insurance



Protection for your home and your belongings

If you own a home or a condominium, you need a policy that will provide coverage for the value of the buildings or part of a building that you own, your contents and your personal liability exposures.

A renter’s policy will protect your personal property and your personal liability exposures.

Homeowners and Renters Coverages

Building (Dwelling) Coverage
Be sure your insurance covers the full replacement value of your home so that losses, partial and total, will be paid without a penalty – other than the policy deductible. We’ll review with you what types of losses are covered, which are not, and what additional coverages you may want to consider.

Personal Property (Contents) (provided under ALL forms – owners or renters)
Your personal property such as clothes, tables, chairs, beds, etc. are covered anywhere in the world. If you own a home 50% of your dwelling value is included for your personal property. More can be purchased, if needed. If you are a renter or condo owner, you must choose how much coverage you will need. We’ll talk with you about what limitations are right for you.

Loss of Use (provided under ALL forms – owners or renters)
When your property is damaged by a covered loss, you may have to go somewhere else to live until repairs can be made. You may also have to spend extra money for other things such as eating or driving to work. Your homeowner policy will provide you with a certain amount of money to pay these additional expenses.

Taking a Home Inventory
You never know when a disaster may strike—but you can be prepared with a home inventory.

Know Your Stuff® – Home Inventory, the Insurance Information Institute’s free online home inventory software. This application makes creating and updating your home inventory easy and efficient. And with our free, secure online storage you will have access to your inventory anywhere, any time. You never know when a disaster may strike, but you can be prepared with an up-to-date home inventory.