Home Owners Insurance

As a homeowner, you know what a substantial investment a home is.  It makes sense to protect your investment with homeowners insurance.


The homeowners’ policy provides possible protection for the following:

  • Your home and garage.
  • Other structures on an insured premises such as a permanent utility shed or an in-ground swimming pool.
  • Your personal property such as furniture, clothing and appliances.
  • Additional living expenses you may incur, over your usual expenses, when your home is uninhabitable because of a covered loss.
  • Liability for lawsuits arising from bodily injury, personal injury or property damage as well as the cost of legal defense.
  • Medical payments which may be necessary because of injuries suffered by others, either on your premises or by your actions.

In addition, the policy may also cover:

  • Trees, shrubs, plants
  • Damage to property of others
  • Refrigerated property
  • Watercraft liability for most boats
  • Rekeying of locks
  • Tree debris removal
  • Power interruption
  • Credit cards and fund transfer cards
  • Arson reward
  • Check forgery
  • Heating fuel damage

There are several premium advantages available to you if your home qualifies. These are available in most states.  Call either of our locations today.