We offer a comprehensive set of coverages to protect your home and your family. Once you start a quote, we’ll recommend to you the appropriate amount of insurance needed for your home by calculating property and building construction information from multiple databases.
Protect your dwelling (place of residence such as a house or townhouse) including what’s attached to the dwelling such as a garage. You’ll be protected against untimely events such as wind, hail, fire and theft.
Any increase in living expenses and lodging will be covered in case there is damage to your home and you cannot stay there while it is being repaired. You won’t have to be dependent on anyone.
Protect structures on your property, such as a detached garage, driveway, patio, fence, gazebo, small shed or barn. We include coverage for these types of structures in every policy at no extra cost.
In the event that a claim is made or a suit is brought against you for property damages or bodily injury, your policy will cover these costs up to the amount of this coverage you select to carry.
Have peace of mind knowing that your personal property such as furniture, TVs, computers and laptops are covered in case something should happen to them, while they are anywhere in the world.
Your policy will cover necessary medical expenses (up to the amount of this coverage you select to carry) incurred in the event there is an accident at your home causing bodily injury to someone else.
Provides an additional 25% of Dwelling Coverage to be used when a loss exceeds the amount of Dwelling Coverage you select to carry. It’s extra reinforcements, to be used if needed.
When repairing or rebuilding your home, this coverage helps pay for additional construction costs needed to comply with updated building codes. Your policy can cover up to 50% of these costs.
If your property such as furniture, computers and TVs get damaged, this coverage will replace those items at their full value (as if they were new). It’s an enhanced form of contents coverage.
Specify additional amounts of Contents Coverage for categories of items such as jewelry, watches, silverware, goldware, pewterware furs, firearms and portable electronics.
Insure a specific piece of jewelry, artwork, family heirloom etc. These items tend to be of high value and/or are not easily replaceable.
Provides coverage for damage caused by water that backs up through sewers or drains.
Provides coverage to be used for mechanical breakdowns to household appliances located on the property.
Provides coverage towards refrigerated property in the event of a power outage.
Helps pay for costs to remove debris caused by events such as wind, hail and fire.
Provides an amount of coverage to use if you are sued for personal injury to someone. Examples of personal injury are false arrest, malicious prosecution, wrongful eviction, slander or libel.
Use a portion of the policy’s Liability Coverage and up to the full amount of Medical Payments Coverage in the event of bodily injury to someone else caused by animals kept at the property.
If you have a guest house or similar structure on your property that you rent to others, this will extend coverage to that additional structure.
Save year after year with policy discounts. Don’t worry if you do not currently have a qualifying burglar or fire alarm. Install them at a later date and we’ll add the credit to your policy. Even making heating, plumbing and electrical updates down the road can save you money on your policy.
Save money with an alarm that alerts the policy directly or one that is monitored by a third party who alerts the police.
Some homes and buildings may have sprinklers that go off automatically when a fire is detected.
Replace your roof and/or make qualifying heating, plumbing and electrical updates to save money on your policy.
We’ll access the building codes of your property to find out if they are current enough to qualify for a discount.
Save money with an alarm that alerts the fire dept. directly or one that is monitored by a third party who alerts the fire dept.
You can save money by simply having prior home, condo or renters insurance for where you live now.
Hail resistant roof material is a stronger and more flexible roof material used to reduce and even prevent damage from hail.
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