Homeowners Insurance
Dwelling Insurance
Covers the house and attached structures in the case of accidental direct physical loss except those losses excluded by the policy. Includes built-in or attached items such as built-in appliances or wall-to-wall carpet.
Other Structures
Covers other buildings or structures on the property that are separated by clear space from the house. Detached garages and gazebos fall into this category. Covers for accidental direct physical loss to the structure except as excluded or limited by the policy.
Contents
Covers your personal property such as furniture and clothing (items that are not attached to or built into the home). Covers these items for loss due to fire, smoke, wind, theft and other causes as described by your policy.
Personal Liability
Covers damage or injury to other people or their property for which you are held liable except as limited or excluded by your policy.
Medical Payments
Pays for medical or funeral expenses of other people who are injured on your property. Also covers some injuries to others which may occur off of your property, such as your dog biting someone.
Loss of use
Pays for reasonable living expenses while your home is being repaired if you are not able to reside in your insured home due to a covered loss.
Mold
Covers damage and repair from mold, fungi and other microbes resulting from a sudden water accident or steam including hidden and concealed damage that is reported within 30 days of detection. An endorsement is available to cover the costs of testing, remediation and living expenses during repair based on policy limits.
Replacement Cost on Dwelling
Can pay up to an additional 20% of the Dwelling Coverage limit if the home is a total loss and additional money is needed to replace the home.
Extended Replacement Cost of Contents
Pays to replace or repair personal property without depreciation being taken from the value of the property.
Ordinance or Law
Pays for increased expense to rebuild due to current building codes or ordinances.
Example: Current zoning may require all new construction to have sprinkler systems. This endorsement would cover the expenses related to bringing the building into compliance with current code.
Sudden Water Damage
Covers damage caused by sudden and accidental leaking from plumbing, heating and air conditioning systems.
Continuous Water Damage
Covers damage caused by continuous or repeated leaking from plumbing, heating and air conditioning systems.
Water Backup of Sewers
Broadens the coverage for loss due to water backup through sewers or drains.
Scheduled Personal Property
Provides additional coverage for personal property of higher values such as jewelry, watches, artwork, etc.
Damage to Foundation / Slab
Endorsement which covers damage to the foundation or slab of an insured home.
Lock Replacement
Up to $100 if your house keys are stolen. Covers to replace or re-key your home locks.
Refrigerated Property
Up to $500 to cover damage to contents in refrigerator or freezer due to power interruption.
Inland Marine
Protects personal property, such as jewelry, that is mobile.
Freezing
Covers damage to dwelling caused by freezing. Typically does not apply if the home is vacant.
Available Homeowners Discounts:
There is NO limit to the number of discounts you can qualify for!
Age of Construction
Up to 30% discount based upon the age of the home.
Age of Insured
Up to 15% discount if insured owner is at least 60 years old.
Claims Free
Up to 20% discount when you are claims free.
Deadbolt Locks
Discounts are available when you install deadbolt locks on all exterior entryways.
Fire Extinguishers
Discounts are available when the home is equipped with functioning and current fire extinguishers.
Home and Car
Up to 20% reduction if you insure both your home and your car(s) with us.
Local Ultrsonic Burglary Alarm
Discounts are available if your home is equipped with a motion detection alarm that notifies police in the event of detected movement in a room where the alarm is set.
Monitored Alarms
Up to 15% reduction if the home is equipped with monitored burglary and / or fire alarms.
Noncombustible Roof
Discounts available if your roof is made of qualifying noncombustible materials.
Personal Status
5% discount if insured is married or widowed.
Sprinkler System
Discounts available if home is equipped with automatic sprinkler system in case of fire.
Smoke Detectors
Discounts available if home is equipped with functioning smoke detectors. Remember to include one in each bedroom, family room and kitchen at minimum. And always remember to change the batteries at least twice a year in battery-operated detectors!
