WHAT IS HOMEOWNERS INSURANCE?
Homeowners insurance protects one of life’s biggest investments. Should a tree fall through your roof or a fire break out in the kitchen, insurance for your home helps cover the cost to repair or rebuild. It also may cover other buildings on your property like a garden gazebo or storage shed. If the damage is extensive enough to prevent you from living in your home, homeowners insurance also helps cover the costs of temporary housing and living expenses.
Home / Renters Insurance Products:
- Homeowners
- Condo
- Renters
- Vacant Dwelling
- Flood
- Personal Umbrella
- Earthquake
What Does Homeowners Insurance Cover?
We offer a range of home insurance policies to cover you in the event of theft, water backup, personal injury and other types of losses. We not only cover your home, but also you, your family and your personal belongings.
Dwelling coverage
This insurance helps protect the structure, built-in appliances and wall-to-wall carpet of your house from damage.
Extended Replacement Cost
This coverage can pay an additional amount of your home coverage limit if additional money is needed to rebuild after a loss.
Water backup of sewer or Sump Pump
Broadens the coverage for loss due to water backup through sewers or drains.
Personal liability
This insurance consists of two parts: bodily injury and property damage. If an accident occurs in your home that damages someone or something, personal liability can help pay for covered damages.
Personal umbrella liability insurance
A personal umbrella policy offers an extra layer of protection for your assets. This includes bodily injury, property damage and personal injury to others for which you are held liable.
Medical payments to others
This coverage may help pay for medical or funeral expenses of someone who is injured on your property.
Ordinance or law insurance
This insurance may help pay to rebuild your house to current building codes after a covered loss.
Flood insurance
This option protects your house and its contents from flood damages. It is a separate policy with its own deductible.
What is the difference between water damage and flood damage?
The damage can be similar but the cause is different.
Water damage is usually caused by water coming from something like a burst pipe, an overflowing toilet, a dishwasher that leaks all over the kitchen floor, or a roof that leaks after a hard rain.
Flood damage is caused by water coming from something like an overwhelmed levee that breaks, a clogged drainage system, a river or lake that overflows or even just the ground being inundated with too much water after a torrential storm. Water seeping into your basement after a heavy rain or winter runoff is usually also considered flood damage.
Earthquake coverage
This insurance provides additional coverage due to earthquake damage. A separate deductible applies.
Identity Theft Coverage
Identity theft is a stressful experience. Restoring your identity after it’s been stolen can take a lot of time, money and effort. With Identity Theft Coverage, you can replace your stress and worry with calm knowing you have identity theft protection. Plus, if you ever have to make an identity theft claim, we won’t make things worse by increasing your premium.