Homeowners Insurance Coverage:

Standard Coverage

Optional Coverage

Your home is like no other. And homeowners policies were designed with homeowners like you in mind, offering the coverages you want that may help you with your peace of mind. Your house, personal property and separate structures (such as a detached garage) are covered for many of the everyday risks you face as a homeowner.

Standard Coverage:

Property: Your Home

• Coverage for many types of damage and for many causes of loss or damage (subject to exclusions) to your home and separate structures, such as a detached garage.
• Coverage for separate structures at a minimum of 10 percent of the limit of insurance you choose for your home (can be increased by endorsement).
• Extended Replacement Cost coverage (can be increased up to 150 percent meaning that you may receive 50% above your dwelling limit in the event of a covered loss) is available in some states.

Property: Your Possessions

• Coverage is based on a percentage of the limit of insurance you choose for your home.
• Property is covered anywhere in the world.
• Coverage is comprehensive, applying to many types of damage and many causes of loss or damage (subject to exclusions).
• Contents Replacement Cost is included and pays for the cost of repair or replacement without deduction for depreciation.

Liability

• Pays when you're legally liable for someone else's bodily injury or property damage resulting from an accident, negligent acts by you or qualified household members (on or off premises) and the acts of your pets.
• Includes costs to resolve claims or defend lawsuits brought against you.

Medical Payments

• Pays medical costs for people injured at your residence (other than residents of your household), regardless of liability.

Additional Living Expenses

• Covers additional living expenses if a covered loss makes your living quarters uninhabitable.
• Coverage is based on a percentage of the amount of insurance you choose for your personal property.
• Includes loss of rental income for up to 12 months if a covered loss makes a portion of the home that is rented to others unfit to live in.

Optional Coverage:

Scheduled Personal Property
Scheduled and unscheduled coverage of important valuables is available.

Identity Shield^SM
State-of-the-art assistance in the resolution of identity theft events, advocacy services relating to the prevention of identity theft and replacement of certain important documents.

We specialize in the insurance you need to
keep your "home sweet home"

 

Home insurance, also commonly called hazard insurance or homeowners insurance (often abbreviated in the real estate industry as HOI), is the type of property insurance that covers private homes. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of its use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home.

There are seven standardized homeowners insurance forms in general and consistent use.

1. HO-1 A limited policy only for items specifically outlined in the policy

2. HO-2 A limited policy in that it covers specific portions of a house against damage.

3. HO-3 This policy is the most commonly written policy for a homeowner

4. HO-4 This is commonly referred to as renters insurance or renter's coverage.

5. HO-5 This policy, similar to HO-3, covers a home (not a condo or apartment)

6. HO-6 As a form of supplemental homeowner's insurance, also known as a Condominium Coverage, is designed especially for the owners of condos.

7. HO-8 It is usually called "older home" insurance.