Caring for your home and loved ones is crucial. That’s why we offer homeowners insurance you can depend on. From dwelling coverage to personal property protection, we provide homeowners insurance policies to suit your needs and budget. Homeowners' policies cover:
- Dwelling – Coverage that protects the structure of the home (roof, walls, wall-to-wall carpeting, etc.)
- Other structures – Coverage for sheds, detached garages and other structures not connected to the main dwelling itself
- Personal property – Coverage for personal items (clothing, furniture, appliances, computers, etc.) on and off the premises
- Loss of use – Coverage for when an insured must move out of the home while repairs are made as a result of damage caused by a covered loss
Home insurance can also be used as a means of financial protection. If someone sues after being injured on your property, proper home insurance limits can ensure you won’t be paying their legal fees from your pocket.
A personal umbrella insurance policy offers an extra layer of liability protection for your wages, house, investments, cars and boats if you’re in a serious auto accident or there’s an accident on your property. It will give you added peace of mind.
It's important to have sufficient coverage to protect your current assets and future earnings if you’re involved in a serious accident or lawsuit. Otherwise, you could be liable for more than your current auto or homeowners coverage limits. A personal umbrella policy extends the bodily injury and personal damage liability limits of your home or auto policies. Umbrella policies focus primarily on liability claims which are costs you might have to pay out to someone else if you are found liable.