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You work hard to build a life and home for your family, making memories that count….
We work hard to make sure your lifestyle and home are protected when the unexpected happens
From your first apartment to your retirement home, or a vacation home to a rental property – your home is where life happens. Protecting the investment, you have made in your home and belongings, can give you the peace of mind to keep making memories with the people you love.
We partner with top rated carriers who have been protecting homes for over 150 years. Together we provide excellent customer service and coverage you can depend on. Our agents work with you to find the optimal carrier for you with the right policy customized to fit your requirements and budget.
Homeowners insurance helps to protect you from unexpected events; damage, stolen property, someone getting injured on the property. Other coverage can include temporary housing, repairs, or replacement and more. Homeowners insurance may be required by your mortgage lender but is recommended for anyone who owns a home.
Home insurance can help you regain safety and normalcy after the shock of an unexpected event.
A typical homeowner policy (sometimes known as HO3) generally covers costs of losses from incidents (perils) like:
Usually, separate coverage is needed to protect your home and personal belongings against damage due to floods, earthquakes, or water seepage. It is critical to work with your insurance professional to help determine what coverage may be best for your specific needs.
Homeowners policies include several types of coverage with adjustable coverage limits and deductibles.
Coverage limits are the amount of homeowners insurance coverage you purchase. It starts with your dwelling coverage; other coverages in your policy are usually calculated as a percentage of your dwelling coverage limit.
Home insurance deductibles are the amount of a covered claim you are required to pay before the insurance begins to cover costs. When determining deductible amounts, consider how much you can afford to pay if an incident occurs.
Homeowners policies provide either replacement cost coverage or actual cash value coverage. To be fully protected, make sure your policy has replacement cost coverage.
Your homeowners policy protects you against different risks, or perils. Risks and perils are things that could damage your house or property. This table shows common risks that most policies do and don’t cover. Coverages vary by company. Contact us to be sure of your exact coverages.
Most policies cover damages from: | Most policies don’t cover damages from: |
Fire and lightning | Flooding |
Sudden and accidental release of water or smoke | A continuous water leak; policies also won’t cover mold removal, except to repair damage caused by a covered risk |
Explosion | Termites, insects, rats, or mice |
Theft | Losses that occur if your house is vacant for the number of days specified by your policy |
Vandalism, malicious mischief, riot, and civil commotion | Wear and tear |
Aircraft and vehicles | Earthquakes or earth movement |
Windstorm, hurricane, and hail (but not if you live on the Gulf Coast) | Wind or hail to trees and shrubs |