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Personal Homeowners Insurance

Homeowners Insurance

Your home is a valuable investment and you want comprehensive coverage that can be tailored to your individual needs. We offer quality basic coverage with many of the standard features you want, plus a wide variety of optional coverages to customize your policy.

Our Homeowners policy protects:

  • Your home
  • Detached structures, such as garages or storage buildings
  • Personal belongings, including furniture, clothing, appliances and other household goods
  • Loss of use, for living expenses when your home is damaged by a covered loss and is uninhabitable
  • Personal liability that protects you and your family against a claim or lawsuit if someone is injured or their property is damaged while at your home

We offer optional coverages for:

  • Contents replacement - Full replacement cost for personal belongings
  • Additional replacement cost protection - The extra insurance you need to rebuild your home if your coverage amount is not adequate
  • Personal injury - To protect you against libel and slander
  • Identity theft protection - Assistance if you are the victim of identity theft
  • Scheduled personal property - Broader coverage for valuable possessions, such as fine art, jewelry, cameras and computers
  • Umbrella policy - Additional liability protection
  • Pleasure boat insurance - Small powered boats and sail-craft
  • Water and foundation coverage

Optimum value with competitive pricing and money-saving discounts

Our homeowners policy is competitively priced, and we offer discounts which can save you even more money, including:

  • Excellent credit history
  • Companion policy
  • New home
  • Burglar and fire/smoke alarms
  • Agency credit
  • Loss free renewals

Identity Theft Recovery Coverage

We offer coverage to protect against the growing problem of identity theft. Identity theft strikes millions of Americans each year and costs businesses and individuals billions of dollars. Our identify theft recovery program not only provides protection for fraud but also provides practical support you may need.

Our identity theft recovery covers:

  • Lost wages as a result of time away from work to correct credit or identity records
  • Cost of obtaining credit reports
  • Fees when reapplying for loans initially declined due to falsified credit information
  • Postage, phone and shipping fees
  • Certain legal fees caused by identity theft
  • Notary and filing fees for costs you incur for steps you take yourself to restore your identity and credit records

Additionally, support is offered in the form of:

  • Identity recovery help line - A toll-free number connects you with professionals who will answer your initial questions, provide information and advise you on the immediate steps you need to take
  • Identity recovery case manager service - A case manager will guide you through the steps of the identity recovery process