Homeowner's Insurance

Homeowner's Insurance Coverage

The biggest investment most people will ever make is in their home. That´s why it makes sense to protect the sizable financial investment you´ve made in your own home with a comprehensive homeowners plan. Your home purchase is an investment deserving the protection that only an experienced insurance professional can provide.

Basic Protection You Need For...

Your home
Other buildings or structures on your property
Your personal belongings - furniture, clothing, appliances, etc.
Additional living expenses
Your personal legal liability

Special features you can choose for additional security

Home Replacement Guarantee
Replacement Cost on Contents
Additional Coverage Form

Homeowner's Insurance FAQ

Q:

What is homeowners insurance?

A:

Homeowners insurance is a form of personal lines insurance. The typical homeowners policy has two main sections:

Covers the property of the insured.
Provides personal liability coverage to the insured.

Q:

What do I need to know when purchasing homeowners insurance?

A:

Get the amount and type of insurance that you need.
Determine the amount of personal property insurance and personal liability coverage that you need.
Select any additional endorsements you want to add to your policy. For example, do you want the personal property replacement cost endorsement?

Q:

What is "actual cash value"?

A:

When "actual cash value" is used in a policy, a policy owner is entitled to the depreciated value of the damaged property.

Q:

What does "replacement cost" mean?

A:

When "replacement cost" coverage is used in a policy, a policy owner is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices.

Q:

Where and when is my personal property covered?

A:

Coverage C of a homeowners policy provides named perils coverage. This applies to all your personal property (except property that is specifically excluded).

Q:

Should I purchase earthquake coverage?

A:

Direct damages due to earthquakes are not covered under the standard homeowners insurance policy. If you live in an area that is prone to earthquakes, you may want to consider adding an earthquake endorsement to your homeowners insurance policy. This endorsement will cover damages due to earthquakes, landslides, volcanic eruptions and other earth movements.

Q:

Should I purchase flood coverage?

A:

Yes, if your property lies in a flood plain as determined by US Government Flood Maps. Ask your independent agent about a flood quote.