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| Homeowners |
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| Owning a home is probably one of the largest financial investments in a persons life and should be protected. A homeowner’s policy is designed to provide financial protection in the event of damage to the home, personal property, personal liability, depending upon the coverage you choose. |
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 Property
Home insurance protects you from risks often referred to as “perils” that result in damage or destruction of your home, adjacent structures on your property and personal property. It provides for repair or replacement caused by: |
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- Fire. including damage from smoke and water used to put out a fire
- Weather. lightning, windstorms, hailstorms, tornadoes
- Equipment failure. damage from bursting of heating, plumbing or hot water systems
- Explosions
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- Glass breakage
- Falling trees and objects
- Collapse of roof or walls
- Damage by vehicles
- Theft or burglary
- Vandalism and malicious mischief
- Electrical surge damage
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 Liability protection
We live in a litigious society. What happens if a neighbor slips and falls on your front walk breaking a leg and hitting his head? Your homeowner’s policy protects you in the event that you’re found responsible for unintentional injuries to another person or damage to property.
Let our personal insurance experts help you help you understand your options by guiding you through the process of estimating the cost to rebuilding your home, replacing your contents, and meeting your lender’s requirements. |
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