Home Owners

What Does Homeowners Insurance Cover?

We offer a range of home insurance policies to cover you in the event of theft, watter backup, personal injury and other types of losses. We not only cover your home, but also you, your family and your personal belongings.

Basic Homeowners Insurance Coverages


Helps protect your home’s structure, built-in appliances and wall-to-wall carpet from damage.


Helps cover your personal property not attached to or built into your home, such as furniture and clothing.

Personal liability

If an accident occurs in your home that damages someone or something, personal liability can help pay for covered damages.

Medical payments to others

May help pay for medical or funeral expenses of someone who is injured on your property.

Ordinance or law insurance

May help pay to rebuild your home to current building codes after a covered loss.

Other structures

Covers additional structures not attached to your house, such as a shed, fence, barn, detached garage or gazebo.

Loss of use

Coverage to help pay for additional living expenses if you’re unable to live in your home due to a covered loss.

Credit card coverage

Pays up to your selected limit for unauthorized transactions on your credit cards and bank debit/ATM card. Also applies to forged checks and counterfeit money.

Brand New Belongings®

When the things inside your home are damaged or stolen, we’ll help you pay to have them fixed or replaced. First, you’ll get money for the depreciated value of your covered items. Then, after you buy replacement items or have them repaired, send us the receipt and we’ll pay you the difference.

Better Roof Replacement®

Make sure your home’s first line of defense gets rebuilt with stronger, safer roofing materials if you have a covered loss.

Optional Homeowner Insurance Coverages

Identity Theft

Provides additonal coverage for high-value items such as jewelry, watches, antiques and fine art.

Valuables Plus©

Provides additional coverage for high-value items such as jewelry, watches antiques, and fine art.

Replacement cost plus

Can pay up to an additional 20% of your property coverage limit if your home still needs to be rebuilt after a loss.

Water backup

Expands coverage if water backs up through your sewer or drains, or your sump pump overflows.


Provides additional coverage for earthquake damage. A separate deductible

Condo Insurance

To Protect what you own

Your condo association’s insurance policy isn’t enough. It most likely ONLY covers the building you live in. Not the inside of your home or your personal property.

To Protect Yourself

If an accident happens in your condo, guess who might be held responsible. Yes. You. Condo insurance offers liability coverage to protect you.

To Ensure You Have Somewhere to live

If your place gets damaged and you can’t live there, a condo policy can help pay for temporary housing.