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Homeowners Policy

Homeowners Insurance is designed to protect you from the things that can damage your home, belongings, or hurt you financially. It covers wind/hail damage, fires, lightning, theft, and more. Plus, it covers injuries that occur on your property and lawsuits against you, such as someone suing you because they were hurt at your home. 

When you get your free homeowners insurance quote, many of your coverages will be automatically included. Plus, you can add even more. 

Standard types of homeowners Coverage

Dwelling

If your home is damaged by a covered peril, dwelling coverage helps to repair or replace the physical structure.

Liability

If a household member is responsible for someone else's injury or damaged property, liability coverage can cover you up to your policy's limits.

Other Structures

Other Structures

This coverage provides protection for all "other structures" on the property not attached to the main building. 

Personal Property

Coverage

Your personal property, such as furniture, appliances, clothing and electronics, is covered up to a specified limit if lost or damaged in a covered incident.

Loss of Use

Also known as "additional living expenses," loss of use coverage can pay for meals and hotel costs if can't live in your home because of a covered loss.

Dwelling

If your home is damaged by a covered peril, dwelling coverage helps to repair or replace the physical structure.

Liability

If a household member is responsible for someone else's injury or damaged property, liability coverage can cover you up to your policy's limits.

Other Structures

Other Structures

This coverage provides protection for all "other structures" on the property not attached to the main building. 

Personal Property

Coverage

Your personal property, such as furniture, appliances, clothing and electronics, is covered up to a specified limit if lost or damaged in a covered incident.

Loss of Use

Also known as "additional living expenses," loss of use coverage can pay for meals and hotel costs if can't live in your home because of a covered loss.

CHOOSE THE OPTIONAL COVERAGE THAT WORKS FOR YOU.

  • Additional Amount of Dwelling Insurance

Increased dwelling replacement cost for a specified percentage in the event of a total loss. 

  • Water Backup

Covers water damage caused by your drain backing up or sump pump breaking

  • Service Line

Protects homeowners if pipes or wiring coming into their properties are damaged

  • Golf Cart Liability

Protection from liability and physical damage to the cart, and may cover theft, vandalism and other costs

  • Equipment Breakdown

Protect many of your essential home systems and personal property

  • Scheduled Personal Property

Covers valuable appraised items like engagement rings or antiques

Request a quote with one of our experienced agents to insure your mobile/manufactured home.