Protect What matters Most……Your Home
What's Typically Covered in a Homeowners Policy?
Liability Coverage
Helps with legal costs and payouts if someone’s hurt on your property and it’s your fault.
Medical Payments
Covers minor injuries to guests, helping avoid costly legal issues.
Additional Living Expenses
Pays for a hotel or temporary housing if your home is too damaged to live in.
Property Damage Coverage
Helps pay for repairs to your home and personal belongings after a covered loss.
Other Structures Coverage
Covers things like detached garages, tool sheds, and fences—usually a percentage of your home's insured value.
Personal Property Coverage
Protects your belongings like clothes, furniture, electronics, and more. Let’s double-check your limits to make sure everything important to you is fully covered.
Personal Property Floater
Standard homeowners policies often limit coverage on items like jewelry, collectibles, and high-end electronics. A Personal Property Floater gives those valuables extra protection—with broader coverage and peace of mind.