Homeowners Insurance: A
homeowner’s Insurance policy is a package type of policy, which means
that it includes protection against several types of losses. It is only
available to individuals that live in a house they own. For more
information scroll down the page below the quote form.
For a Homeowners Insurance Quote use the form below:
More about Homeowners:
Coverage for your house can be "all risk", as opposed to being limited to certain types of losses. You should be aware of the differences between the available policy types. A "limited" policy type will specify the types of losses for which you will be covered. An "all risk" policy pays all losses except for those specifically named as excluded. Losses are caused by perils. Perils may be fire, vandalism, hurricane, theft, explosions, aircraft crash, breakage of glass, ice, auto, etc. Our policy includes the following coverages. These are our own abbreviated definitions. The actual policy itself should be read for exact coverages, definitions and exclusions.
CONTENTS-PERSONAL PROPERTY: The contents of your home are also covered. We'll provide you with an inventory sheet to list your personal property and values. The amount of coverage provided is normally half the amount you carry on your home, but we can increase the amount where needed. Certain property has specified limits of coverage. The inventory list will help us determine if you need extra coverage for those items. We will also include "Replacement Cost" coverage for your personal property.
EARTHQUAKE COVERAGE: This policy includes coverage in the event an earthquake causes loss or damage to your home and/or contents.
FLOOD INSURANCE: This policy covers your home, insured buildings and contents on an actual cash value basis against direct loss caused by flooding.
FUNGI OR BACTERIA COVERAGE: This form provides limited bodily injury and property damage coverage against a fungi or bacteria incident. This coverage does not cover a food product intended for consumption.
KIDNAP/RANSOM EXTORTION: This coverage provides payment in the event you or a family member becomes kidnapped and held for ransom.
LOSS OF USE: In the event you could not live in your home after an insured peril occurs, we offer payment of temporary living quarters while you are waiting for repair work to be completed. You would also have additional expenses such as food and laundry paid for as well.
MEDICAL PAYMENTS: Another included coverage is for bodily injury medical payments to a non-policy holder. Medical payments can be made to others (those not in your immediate family) up to the stated limit amount. This will often prevent going to court to see whose "fault" it was. The amount paid will cover many minor accidents regardless of who was responsible.
MOTORBOAT COVERAGE: This policy includes coverage on your boat and motor for loss or damage incurred up to the stated policy limit.
PERSONAL ARTICLES FLOATER: This can be an "endorsement" to your homeowners policy. It would insure those items not normally covered under the personal property contents part of your policy.
SCHEDULED PERSONAL PROPERTYThe following items will be insured for the listed limits, deductibles and premiums.Covered property includes:Jewelry, Furs, Camera/Photographic Equipment, Fine Arts, Sporting Equipment, Stamp and/or Coin Collection, Shotguns/Rifles/Handguns, Musical Instruments, Personal Computer Equipment/Media, sports card Collection
PERSONAL INJURY: This endorsement provides coverage in the event you are held personally liable for: false arrest, detention or imprisonment, malicious prosecution; libel, slander or defamation of character; invasion of privacy; wrongful eviction or wrongful entry.
PERSONAL LIABILITY: Our homeowners policy also covers claims for bodily injury or property damage for which you are legally responsible. This normally excludes auto and business related claims. You would be covered up to the stated liability limit for each accident.
Examples would be: -Your dog bites the neighbor -You injure someone in a hunting accident -Your child breaks someone else's window with a baseball -Someone is injured on your premises
PERSONAL PROPERTY FLOATER: This endorsement includes all risk, worldwide coverage for loss or damage to the personal property of homeowner and members of his family when off premises. Covers clothing, household goods, silverware, and jewelry up to the stated policy limit.
PERSONAL UMBRELLA LIABILITY: A personal umbrella policy is a liability policy that picks up where the basic personal liability policy ends. We highly recommend this policy as we are seeing many liability awards exceeding the normal limits of your homeowners and personal automobile insurance policies. Umbrella policy's offer a great amount of coverage at a very reasonable price.
REPLACEMENT COST: Replacement cost insurance coverage provides you with the necessary funds to build your home at today's costs, as it was at the time of the peril. So you will have the money you need to rebuild your home as it stands today. Our policy also gives you some additional coverage for structures not attached to your home, such as garages, sheds, workshops, swimming pools, patio furniture, etc.
Unlike other types of insurance, replacement cost insurance does not depreciate your property or contents values. Every covered item that needs to be replaced will be treated as if it were brand new.
SNOWMOBILE INSURANCE: This policy provides coverage for your snowmobile(s) against loss or damage incurred, up to the stated policy limit.