Home Insurance 

Home insurance provides coverage for the following:

• Your home and other buildings on your property

• The contents of your home; including furniture, clothing, electronics, appliances, and other personal belongings

• Additional living expenses if you have to move out during certain repairs

• Liability coverage for you and your household family members if someone is accidentally injured or their property is damaged.

ADDITIONAL COVERAGES TO CUSTOMIZE YOUR HOME POLICY:

• REPLACEMENT COST CONTENTS: Eliminates depreciation on the contents of your home. (Your personal belongings)

• ADDITIONAL REPLACEMENT COST PROTECTION: Provides additional protection so that in the event of a covered total loss, your policy will protect you if you need more to rebuild your home. Even if the costs are higher than your policy’s basic coverage limits.

• WATER BACK-UP OF SEWERS OR DRAINS: Provides coverage caused by water which backs up through sewers or drains. (This is the most needed additional coverage)

• IDENTITY THEFT PROTECTION: Provides you with access to a consumer fraud specialist who can guide you through the process of reclaiming your identity, and reimburses you for the expenses associated with clearing your name and financial record.

• SCHEDULED PERSONAL PROPERTY: This is additional coverage for people who own valuable possessions and need broader coverage than a basic policy. (Such as jewelry, silverware, furs, computers, guns, cameras, musical instruments, china, crystal, etc…) Scheduled property does not have a deductible.

DISCOUNTS AVAILABLE WITH HOME POLICIES:

Renter's Insurance 

Your possessions are worth a lot to you. So when you rent an apartment or house, you need insurance that covers your belongings in case of an unfortunate event.

Renter's insurance can give you the protection you need at a price that you can afford. To give you the maximum in flexibility and affordability, we provide solid, basic coverage that lets you add more options if you need them.

Renter's insurance covers:

• Furniture

• Clothing

• Appliances

• Many personal belongings

• Some improvements you've made to the rental unit

• Covered items you take while traveling

• Additional living expenses if you have to move out during repairs

• Personal liability coverage provides protection if someone is accidentally injured while in your home, or their property is damaged and the damage is caused by:

  • You, your children or your pets

  • Your personal activities, including most sports

• Your policy can also cover you:

  • For costs associated with defending in a lawsuit related to an injury or property damage

  • If you’re held legally responsible for fire damage to your apartment, to the building where you live, or vacation property you rent

  • If  your credit cards, ATM cards, or checks are stolen or used without your permission

DISCOUNTS AVAILABLE WITH RENTER'S POLICIES: