Keep your home secure.

  • Home Insurance

    Provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it. It also covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.

Homeowners Insurance Coverage Options



  • COVERAGE A – Dwelling Coverage is the amount necessary to rebuild your home.
  • COVERAGE B – Other Structures covers other structures around the property. Typically limited at 10% to 20% of the Coverage A, with additional amounts available by endorsement.
  • COVERAGE C – Personal Propertyis coverage for your personal contents, with limits for the theft and loss of particular classes of items (e.g., jewelry, artwork, coins, etc). Typically limited to 50% to 70% of coverage A, with additional amounts available by endorsement.
  • COVERAGE D – Loss of Use/Additional Living Expenses covers expenses associated with staying some where else while your residence is being repaired.



  • ADDITIONAL REPLACEMENT COST COVERAGE also known as inflation protection is additional coverage on your dwelling.
  • REPLACEMENT COST CONTENTS COVERAGE pays for contents of your home regardless of depreciation.
  • IDENTITY THEFT PROTECTION pays for expenses incurred to regain your identity.
  • UMBRELLA POLICY refers to a liability insurance policy that protects the assets and future income of the policyholder above and beyond the standard limits on their primary home and auto policies.


*Homeowners insurance also provides protection on renters, landlords, condominiums, and townhomes.