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Our coverage for home insurance applies to

HOMEOWERS  /  CONDOS  /  RENTERS  /  DWELLING FIRE

Home Insurance Coverage

Dwelling and Personal Property

Dwelling property coverage covers the physical structure of your home from damages or destruction caused by floods, windstorms, fires, explosions, and vehicles.

Personal property coverage would cover your personal belongings inside the home, such as jewelry, furniture, clothes, or other items if they were stolen, damaged, or destroyed.  ​

Personal Liability Protection

Personal liability coverage covers you from bodily injury caused by others which you are legally responsible for and pays for the property damages you cause to another person's property. Also it protects you against a claim or lawsuit for causing injuries or damages to other people or their property.

Medical Payments

Medical payment coverage covers the cost of medical expenses for those injured on your property whether or not you are legally responsible. 

Loss of Use

Loss of use coverage would pay for additional living expenses if you were not lived in your home due to a covered loss. 

Umbrella Insurance

Umbrella insurance is additional liability coverage.  It protects you from major claims and lawsuits. It provides coverage for injuries, damage to property, certain lawsuits, and personal liability situations above the limits of your auto and homeowners policies.

Home Insurance Discounts

There are plenty of home insurance discounts to help you reduce auto insurance premiums. See how many insurance discounts you could qualify to save money.

Multi-Policy Discount

You are eligible for a discount when you move your policies, such as both home and auto, on the same insurance carrier.

Home Buyer Discount

You are eligible for a discount if you have purchased a home within 12 months.

Claim Free Discount

​You are eligible for a discount when you stay claim-free. The longer you stay claim-free, the bigger discount you qualify for.

Protective Device Discount

You are eligible for a discount if your home has smoke detectors, fire alarms, burglary alarms, interior sprinkler systems,​ home security systems, or other qualifying devices.