top of page

Homeowners Insurance

Protection for Your Home Residence

Residence – Comprehensive coverage for your home. 

Related Private Structures – The detached structures on the insured premises. 

Personal Property – Protection for your personal belongings. 

Liability/Medical Payments – Provides defense and coverage for injury or damage in which you are liable. 

Additional Living Expense – Expenses you incur if you cannot live in your home after a covered loss.

Equipment Breakdown – Coverage for your home appliances and equipment due to mechanical failure. 

Fire Department Service Charge – Charges incurred due to fire departments called to protect your property. 

Identity Fraud Expense – Expense reimbursement for costs associated with identity fraud. 

Lock Replacement – Replaces your locks if your keys are lost or stolen. 

Replacement Cost Personal Property – Claim settlement for personal property on a replacement cost basis. 

Refrigerated Property – Payment for direct loss to covered property stored in a freezer or refrigerator due to loss of power. 

Replacement Cost Dwelling – Claim settlement for the home at replacement cost up to the policy limit. 

Tree Removal – For fallen trees due to wind.

bottom of page