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Home Insurance

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.

What is Homeowners’ Insurance?

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.

What Type of Home Do You Need to Protect?

Primary Homeowners Insurance

Condo Insurance

Vacation Home (Seasonal)

Rental Property (Landlord)

Renters Insurance

Flood Insurance

Key Things to Know

Covered perils (incidents causing a loss)
What are the types of coverage?
What are limits and deductibles?
What additional coverage is available?

Covered Perils (Incidents Causing a Loss)

A typical homeowner policy (sometimes known as HO3) generally covers costs of losses from incidents (perils) like:

Fire
Lightning
Hail
Weight of ice, snow, sleet
Windstorms
Vandalism
Theft
Freezing of plumbing, heating, air conditioning, other household systems

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.

Types of Coverage

Homeowners policies include several types of coverage with adjustable coverage limits and deductibles.

Property/Dwelling Coverage helps to repair or rebuild your home if damaged by a covered peril. Dwelling coverage amount should be enough to cover the estimated cost to replace or rebuild your property.
Other Structures Coverage helps to repair or rebuild detached structures on your property damaged by a covered peril like a shed, garage, or fence.
Loss of Use Coverage helps pay additional living expenses if you home is temporary unlivable while being restored. Typically, subject to coverage limits.
Personal Liability Coverage helps to protect against a claim and related costs if a legal suit is made against you or a member of your household for bodily injury, property damage to others.
Personal Property Coverage helps to replace personal items in your home if damaged by a covered peril (e.g., furniture, clothes, firearms, electronics). Special limits of liability may apply to certain items.

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.

Additional Coverage Options Available

(This list is representative, not exhaustive.)

These coverages are typically available to customize your homeowner’s policy based on your individual needs.
Coverage options can vary by Insurance Carrier.

Special Personal Property Coverage
Provides broader protection for your possessions in the event of a covered loss.
Jewelry and Valuable Items Coverage
Provides higher limits and expanded protection, like theft, for special classes of property (e.g., jewelry, silverware, collectibles).
Water Backup and Sump Pump Discharge or Overflow
Covers water backup from a sewer or drain within your home, or if water discharges or overflows from your sump pump, this coverage can help cover the loss up to a specified dollar amount. *Does not include coverage for flood or surface water backup.
Contents Replacement Cost
Coverage helps cover personal property losses based on replacement cost at the time of loss, with no deduction for depreciation. Subject to applicable policy limits and deductibles. Special limits apply to certain items (e.g., jewelry and watches).
Personal Articles Floater
A separate valuable items policy that is available if you need coverage or higher amounts of coverage for specific valuable items.
Additional Replacement Cost Protection Coverage
Helps provide an additional amount of coverage to help repair or rebuild your home if the dwelling coverage on your home is not enough to cover the cost to repair or rebuild after a covered loss.
Identity Fraud
Can provide coverage up to a specified limit to cover costs to restore your identity if fraudulently use.
Green Home Coverage
Additional protection that can help cover the costs to repair, replace or rebuild with green materials, after a covered loss happens.
Home Systems Protection
Additional coverage on mechanical equipment and technology due to the increased risk of inconvenient and costly breakdowns. Includes things like AC units, computers, pool/spa pumps, and more. Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown.
Home-Sharing Coverage
Provides limited coverage for furnishings, theft, liability, medical expenses, and much more when you rent your home or a portion of your home.

Home Insurance FAQs

What is replacement cost vs. actual cash value coverage?

Homeowners policies provide either replacement cost coverage or actual cash value coverage. To be fully protected, make sure your policy has replacement cost coverage.

Replacement cost coverage pays to repair or replace your house and personal property at current prices. For example, say you bought a new roof 10 years ago and the current price for a new roof is $10,000. If you have to replace your entire roof after a storm, a replacement cost policy would pay for a new roof at today’s prices. If you have a $2,000 deductible, your company would pay $8,000.
Actual cash value coverage pays replacement cost minus depreciation. Depreciation is a decrease in value because of wear and age. In the same example of the 10-year-old roof, the actual cash value might be $7,000. After your $2,000 deductible, your company would pay $5,000. You’d have to pay the rest of the cost of the new roof yourself. This means your total out-of-pocket costs for an actual cash value policy would be $5,000, compared with $2,000 for a replacement cost policy.

What risks does a homeowners policy cover?

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

Most policies cover damages from:

Fire and lightning
Sudden and accidental release of water or smoke
Explosion
Theft
Vandalism, malicious mischief, riot, and civil commotion
Aircraft and vehicles
Windstorm, hurricane, and hail (but not if you live on the Gulf Coast)

Most policies don’t cover damages from:

Flooding
A continuous water leak; policies also won’t cover mold removal, except to repair damage caused by a covered risk
Termites, insects, rats, or mice
Losses that occur if your house is vacant for the number of days specified by your policy
Wear and tear
Earthquakes or earth movement
Wind or hail to trees and shrubs

Home Insurance

What is Homeowners’ Insurance?