Home and Residential
Insurance

Types of Homeowners Coverage

These are the common types of coverage homeowners can expect when searching for homeowners insurance. We’re here to ensure your policy includes the coverage that works best for your family.

Dwelling

Protects against damage to the home (structure or roof) that is typically equal to the rebuild value of the home.

Other structures

Protects against damage to other structures such as detached garages, sheds, mailboxes, and fences.

Personal Property

Provides coverage for belongings such as furniture, appliances, or electronics that are damaged or stolen.

Additional living expenses

Covers costs associated with temporary housing and dining if your home should become unlivable.

Other structures

Protects you against personal liability if you are sued for accidental injury or property damage to others.

Medical Payments

Covers the costs associated with minor injuries for guests injured on your property.

About Homeowners Insurance

Homeowners insurance isn’t a luxury, it’s a necessity. It protects not only your home and possessions from theft or damage but also covers your liability for accidents.

What makes up my premium?

Your costs will be based on various factors including the amount of coverage and if additional protections are needed for things like expensive jewelry, additional structures, or items like wood-burning stoves. Our agents can help guide you through the process and balance your needs with a policy that’s affordable.

Reasons to have homeowners insurance

There’s no better time than now to get homeowners coverage and if you already have homeowners, there’s never a better time to reevaluate the coverage you have or to seek a lower premium.

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Damage to your home (storms, fire, accidents)

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Damage or theft of property (clothing, furniture, appliances)

R

Personal liability protection for accidents that occur on your property