Don't leave any aspect of your financial well-being to chance; protect yourself with the right insurance coverage for all your needs.
Home Insurance
Your home is one of your most valuable investments — and it deserves reliable protection. Our Home Insurance provides comprehensive coverage designed to safeguard your property, personal belongings, and financial security against life’s unexpected events.
Whether you own your home, rent a property, or manage rental units as a landlord, we offer flexible coverage options tailored to your specific needs and budget.
What Our Home Insurance Covers
Our policies help protect your home and possessions from common covered risks, including fire and smoke damage, lightning, windstorms, hail, theft, vandalism, and certain types of water damage such as burst pipes. If your home becomes uninhabitable due to a covered loss, your policy can also help pay for temporary housing and related living expenses.
In addition to property protection, our Home Insurance includes personal liability coverage. This helps protect you financially if someone is injured on your property or if you accidentally cause damage to another person’s property.
Core Coverage Options
Dwelling coverage
Helps repair or rebuild the structure of your home and attached features such as garages, fences, and decks after a covered loss.
Personal property coverage
Helps replace your personal belongings, including furniture, clothing, appliances, and electronics.
Liability coverage
Helps cover legal expenses and damages if you are found responsible for injury to others or damage to their property.
Additional living expenses coverage
Helps cover hotel stays, meals, and other necessary expenses if your home cannot be lived in due to a covered claim.
Our experienced agents will work with you to design a Home Insurance policy that meets your specific needs and budget. We offer flexible policy options, including different coverage levels and deductible amounts, so you can customize your coverage to fit your requirements.
Optional Coverages for Added Protection
Flood insurance
Protects against damage caused by flooding, which is not typically covered by Home Insurance.
Earthquake insurance
Coverage for losses caused by earthquakes, also generally excluded from standard home policies.
Umbrella insurance
Provides additional liability coverage beyond the limits of your Home Insurance policy.
While on vacation in Europe, you lose the tote bag that has everyone’s passports.
Solution
Your homeowners policy can help with the cost of replacing passports and other valuable papers.
Fire Coverage
Risk Factors
You act quickly and prevent a grease fire from getting out of control, but smoke damages the counters and cabinets in your kitchen.
Solution
Property coverage in your policy can help if your house is damaged by fire and/or smoke.
Medical Payments Coverage
Risk Factors
A guest at your annual Fourth of July barbecue trips on the steps between your deck and the lawn fracturing his wrist when he falls against a stone retaining wall.
Solution
Medical payments coverage can cover the medical costs if a visitor is hurt on your property, regardless of liability.
Theft Coverage
Risk Factors
You return from a family vacation to discover thieves have stolen electronic equipment from your media room.
Solution
If your possessions are stolen, damaged or destroyed in an insured loss, your coverage can help replace them, up to the policy’s stated limits.
Personal Possessions Coverage
Risk Factors
You mastered the basics of surfing during lessons in Hawaii but your wedding ring is stolen.
Solution
With personal possessions coverage, lost jewelry is covered up to your policy limits.
