Homeowners Coverage

A home is more than just a place to live, it's an investment. Your homeowner's insurance policy is the most reliable method of protecting this investment.

Your homeowner's policy responds if you suffer from damage to your home, or if you become legally liable to another party.

Features/Coverage:

Coverage for your home — Dwelling Coverage is the dollar amount carried to cover your home and any structures attached directly to it. Ideally, the amount of coverage you carry should equal the cost of rebuilding your home after a total loss.
Other Structures Coverage — This covers other structures set apart from the dwelling on the residence premises, such as detached garages. This coverage applies up to the limits provided in your policy and can be increased if necessary.
Personal Property Coverage — This coverage provides worldwide coverage for personal property owned or used by the insured.
Additional Living Expenses — when a disaster forces you to live somewhere else while your home is repaired or rebuilt, this coverage pays for your additional living expenses. It also pays for lost income from any area of your home that you regularly rent.
Medical Payments — Your policy will cover actual medical expenses for accidental injury to others (except your household residents) caused by you, family members or your pets-on your premises or elsewhere - regardless of legal liability.
Personal Liability — If someone is accidentally injured or dies on or off your property, and it is caused by you, a family member or pet, this coverage pays claims against you for legal responsibility. (Does not include automobile or business liability)

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