Owning a home is a significant milestone, something many work hard for and take pride in. Protecting you and your property from an array of risk exposures is essential. Home insurance protects against financial loss disasters and unexpected losses. Often called “fire insurance” the primary coverage under your home policy is fire coverage. Home insurance policies will not cover against earthquakes, floods, or routine maintenance (or wear and tear). If you’d like coverage against earthquakes or floods, you’ll need to purchase separate policies. Home maintenance is the responsibility of the homeowner. 

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Whether you’re looking to protect your family home, investment property, or vacation property we have the right option for you!

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The typical property insurance policy includes protection for the following:
Dwelling – coverage that protects your house and attached structures if it is damaged by a covered peril.
Other Structures – coverage for other structures on the residence premises that are not attached to the dwelling, such as garages, tool sheds, etc.
Personal Property – protection for the contents of your home and other personal belongings owned by you and other family members who live with you.
Loss of Use / Additional Living Expenses – This coverage will help with additional living expenses if your home is damaged by a peril insured against to the extent that you cannot live in your home. These expenses include but are not limited to, housing, meals and warehouse storage.
Insuring Your Personal Liability – coverage protection in the event you or a resident of your household are legally responsible for injury to others.
Medical Payments to Others – pays for reasonable medical expenses for persons accidentally injured on your property.

 

Everyone's needs are not the same. It is best to consult with an agent to help assess your needs and find the insurance policy that is right for you. Your property is your greatest asset, make sure it’s protected.

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Own a condominium or townhouse? Coverage differs for these types of properties, give us a call for more information. 

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Are you a renter looking for coverage? Tenants require far less coverage, give us a call to learn about these coverages.