Homeowners

A Homeowners policy contains several “categories” of insurance protection, each with its own coverage limit(s).

What we cover:

  • Your dwelling
  • Structures not attached to your home*
  • Household contents and personal belongings*
  • Expenses incurred because of a loss of use due to a fire or other covered occurrence.*

*limitations apply

We also offer optional coverages and endorsements including but not limited to the following:

Scheduled Personal Property Coverage - This endorsement can be purchased to provide coverage for specifically scheduled personal property.  Coverage can be provided on fine arts, jewelry, furs, musical instruments, camera and silverware.

Indentity Recovery Coverage - We help protect you from both the expense and hassle of restoring your identity records and correcting your credit history following identity theft.  You will have access to a toll-free help line to get answers to your questions. Identity Recovery Case Managers are available to work with you one-on-one to recover your tarnished credit history.  This coverage can also include expense reimbursement including: lost wages as a result of time away from work to correct credit or identity records; cost of credit reports; postage, phone and shipping fees; Notary and filing fees, etc.

Expanded Coverage Endorsement - By adding this endorsement to your Homeowners policy, you will have some added limited coverages such as: Lock Replacement.  Limitations on "Certain Property" is increased.  Certain provisions found in your policy will be amended such as Debris Removal, Fire Department Service Charges and Refrigerated Food Spoilage to name a few.

Replacement Value - Personal Property - This endorsement amends the loss settlement provisions that apply to personal property from an actual cash value coverage to a replacement cost coverage.  There is certain personal property that would not be covered under this endorsement, so you would need to contact your agent to determine if this coverage would be right for you.

Automatic Adjustments of Limits - The "limits" for coverages A, B, C, and D will be increased annually by a percentage to protect you against inflation.

The above are brief descriptions of some of your options.  All coverages are subject to all policy terms and condtions as found in your Homeowner's policy when issued.

To learn more about these products, please contact your agent or locate an agent.