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Home Policies

Your Homeowners policy provides very broad protection for loss to your home, personal belongings and detached structures on your property. There is also important protection to assist you in case of an injury to a guest at your home. Even though the policy is very comprehensive, many people find that the basic policy needs some adjustments to provide the best possible protection. The following is a brief outline showing some policy highlights. We recommend that you talk with one of our representatives who can help tailor your policy to suit your needs.

A Homeowner policy can cover:

HOME: Your home should be insured for a limit that is based on the Replacement Cost of your home. Simply stated, Replacement Cost is the cost to rebuild your house after a serious claim using today’s construction practices. This coverage is subject to a deductible, which is an amount the insured is responsible for before the Homeowner policy responds to the loss. We can help you determine the correct amount of coverage for your home.

Other structures:

Basic coverage is included for detached structures such as a garages, sheds, or fencing. There are defined limits as to the amount of coverage available for any structure (see your declarations page) as well as some important limitations including, but not limited to, buildings that are used in conjunction with a business.

Personal property:

The policy automatically provides a separate limit for personal belongings subject to a deductible. We recommend that you make sure you have Replacement Cost on Contents coverage that provides for the actual cost to replace your damaged property at today’s prices rather than a depreciated value. You can also opt to buy special “all-risk” coverage for items such as Fine Arts, Jewelry, Furs, or collectibles, as well as many other kinds of property. One of our representatives can help you decide if you need to consider special coverage. We strongly recommend that you maintain an inventory of your personal property that you can refer to in case of a claim.

Loss of use of your home:

Should your home become uninhabitable after a claim, your policy can provide valuable benefits to help you with additional living expenses that you incur.

Personal Liability:

Should you be legally responsible for an injury to a guest or for damage to another person’s property, the Personal Liability section of your policy can provide important protection. Substantial limits are available under your policy. However, you may decide that even higher limits are appropriate for your needs. A solution that works well for many people is a Personal Umbrella policy. One of our representatives can review the benefits of this kind of program with you.