Homeowners Insurance
Homeowners Insurance Information
Coverages
Dwelling
Coverage for your home and any attached structures, based on the estimated replacement cost.
Personal Property
Your personal possessions are covered anywhere in the world. Set a blanket limit and/or schedule valuable items.
Medical Payments to Others
Coverage for others who are injured at your residence, up to a set limit per person.
Other Structures
Covers structures on your property that are not attached to your home, such as a detached garage, shed or pole barn.
Personal Liability
Coverage for incidents occurring anywhere in the world. Helps protect against lawsuits for which you may become liable.
Additional Living Expenses
Covers expenses if you are unable to stay in your home after a loss.
Questions to ask your agent
- How much will I pay out of pocket if I file a claim? What is the tradeoff between a higher deductible and lower premiums?
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- Are any discounts available such as multi-policy, opening protection, security system, fire resistance, etc.?
- What's the procedure for filing and settling a claim? Who do I call?
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