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Homeowners Insurance

Designed to insure well-maintained, owner-occupied homes – and preserve your biggest investment.

Why Do I Need this Coverage?

Homeowners insurance protects well-maintained, owner-occupied homes from:

  • Fire or explosion
  • Wind or water damage
  • Vandalism or theft
  • Lawsuits from injured parties

What's Covered?

Basic homeowner policies cover dwellings, structures on the premises and personal property. If a covered peril forces you to leave your home, you may also be covered for costs like hotel and restaurant expenses. Additional coverages include:

  • Worldwide personal liability and on-premises medical payments (including defense costs and monetary awards in the event of negligence)
  • Guaranteed Replacement Cost, which pays to repair or rebuild a home destroyed by a covered peril using the same or similar materials, even if the cost exceeds the building coverage limit (may vary by state and coverage form eligibility)
  • Ordinance or Law Coverage, which pays increased costs associated with the construction, repair or demolition of a covered property in order to comply with any ordinance or law, up to the covered losses limit
Please note that the information provided above is for informational purposes only and is not a legal contract. Please read your policy carefully for complete descriptions, details and limitations of the coverages provided.

Consult with an agent for a custom quote

Work with one of our local independent agents to get a personalized quote based on your needs.