Homeowners/Renters Coverage

Do you know how much your belongings are worth? The figure is often much more than our customers initially think. Taking the time to assess what you own, and to understand how your coverage works, can help you make sure everything you value is adequately covered.

Structure Coverage

Protects the physical structure of your home. Because rebuilding costs can differ from market value, it’s important to have coverage that reflects the true replacement cost of your home.

Detached Structures

Covers separate buildings on your property, such as garages, sheds, fences, or gazebos, ensuring these assets are protected.

Personal Property

Provides protection for your personal belongings inside the home—like furniture, electronics, clothing, and valuables—giving you financial security.

Liability Insurance

Offers financial protection if someone is injured on your property or if you accidentally cause damage to another person’s property, covering legal expenses and settlements.

Guest Medical Protection

Pays for medical expenses if a guest is injured on your property, regardless of fault, helping to avoid potential lawsuits.

Flood Insurance

Protects against damage caused by flooding, a peril typically excluded from standard homeowners policies, especially important in flood-prone areas.

Other Coverage Options

Additional options include water backup, earthquake, identity theft protection, equipment breakdown, ordinance or law coverage, and scheduled personal property coverage.