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Homeowners Insurance

Owning a home is undoubtedly one of the biggest investments a person will make in their lifetime, and safeguarding it requires careful consideration. By obtaining a comprehensive plan, you are selecting the best protection for your property’s assets when the unexpected occurs.

Homeowners insurance generally covers both the residence and liability. Coverage for a dwelling protects your property and any attached structure in the event of a covered loss with the exception of a flood or earthquake. This guarantees total payment to repair or replace the home if it is damaged by fire and wind. Other detached structures are normally covered within 10% of the dwelling limit.

Personal property covers your possessions anywhere in the world. This is usually within 50% to 70% of the dwelling limit. It is limited to 10% when kept at a second residence. Losses are settled at the cost to repair or replace minus depreciation unless a replacement cost coverage endorsement is added to the policy. Loss of use coverage will reimburse expenses if your home is uninhabitable due to fire or other natural disasters that are outlined in the policy, which can pay for the cost to rent another home during repair.

Personal liability will cover you if an individual asserts that you unintentionally damaged their property or caused bodily harm. This excludes any accident arising from a business or any car, aircraft and most boating incidents. Limits are at least $300,000 or $500,000. Medical payments also cover expenses caused by an accident to any person other than a family member or employee eligible for workers' compensation.

From plans that cover the essentials to all-inclusive insurance, our team will guide you through every step of the way to include risk assessment, cost estimates and multipolicy discounts. With a range of coverage available, it is paramount to find the ideal plan to suit your unique needs.

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