Home Insurance
Protect Your Home and Personal Property, your most valuable asset, FREE quotes!! See how much money you can save by giving us a call!
Make Sure Your Home Is Covered!
- Homeowners Policies
- Renters Insurance
- Condo Insurance
- Flood Insurance
- Dwelling Fire Policies
- Vacant Insurance
- Umbrella Insurance
- Multi-Family Homes
- Master Policy Insurance
Plan for the unexpected!!
Home insurance covers you for small losses and the unexpected catastrophe, we offer replacement cost coverage, additional living expenses. premise liability and more If something happens to your home or condo or investment property, such as a fire, wind, hail, lightning, and theft. Are you covered?
Protect Your home with home owners insurance!
- If my house burns down, would I be able to replace it?
- Is my personal liability adequate?
- What if my house was broken into?
- Are my contents covered?
- Are my tenants belongings covered?
- What is my deductible?
- What is not covered ?
What does home Insurance Cover?
Damage
Dwellings
Dwellings
Your home and personal property are protected against fire, lightning, frozen pipes, hail and windstorms. Also covered are losses caused by vandalism, theft, and any flooding caused by indoor plumbing,water damage.
Dwellings
Dwellings
Dwellings
In addition to your house (referred to as the “dwelling”), any structures on your property, such as the garage, are covered.
Contents
Dwellings
Liability
Your contents, personal belongings and electronics inside your home are covered. However, if your personal possessions include jewelry or fine art etc. , you might want to purchase an additional floater coverage for those items.
Liability
Other Structures
Liability
Premise liability protects you against any hazard on your property that may occur and causes bodily injury to a non household person. If you have guests visiting or a slip and fall from someone on your property you would be covered.
Other Structures
Other Structures
Other Structures
Other structures covered are fencing around your property and detached buildings such as a barn, shed or pool house. Depending on your coverage, other structures might not be covered at 100 percent replacement value.
Uninhabitable
Other Structures
Other Structures
Should your home become uninhabitable and you are forced to live somewhere else during repairs, this situation is called “loss of use” and is included in most home insurance coverage. Limits for this expense depend on your policy.
