Homeowners Insurance


Your home is one for the largest financial investments you’ll make in your lifetime. It’s also an asset that’s vulnerable to numerous risks. It’s important to have insurance in place to safeguard your home and family from financial risk.

Dwelling protection – is the cost of rebuilding and repairing your home in the event that is damaged or destroyed in a covered hazard.

Other structures protection – is part of a homeowner’s insurance that helps pay to repair or replace structures other than your home, such as fence, an in-ground swimming pool, gazebo, and detached garage, if they are damaged by a covered risk.

Additional living expense coverage – is a standard part of most homeowners, condo and Renters insurance. It helps pay for cost you incur if you are temporarily unable to live in your home due to a covered loss.

Water backup coverage – is an optional coverage to a homeowner’s policy. This coverage may help pay for water damage caused from backed up drain or sump pump.

Workers’ comp coverage- Pays for medical expenses for your personal part-time employees, such as nannies or maids, who are injured on the job.

Personal property insurance – covers items inside your home, like your furniture. Your personal belongings are likely worth much more than you might think.

Personal liability protection – provides coverage for bodily injury and property damage sustained by others for which you or covered residents for you household are legally responsible.