Home coverage whether you rent or own is designed to help protect you, your family and your biggest investment and can be customized to fit within your budget.*
If you experience a loss , we will be there to help get your taken care of so you can get your life back.
- Fire & Smoke
- Wind and Hail
- Falling Objects
- Water Damage
*Check your personal home policy or verify with your agent what perils your policy specifically covers.
Your Policy Covers
Dwelling Coverage includes the cost of repairing or rebuilding your home if it is damaged or destroyed by a covered event.
– Loss of Use
Covers certain living expenses if your home is not livable after a covered loss ( ie..food, hotel, rent)
– Personal Property
Covers the cost to repair or replace your personal property ( ie..clothing, furniture, electronics, housewares ect..) if damaged or a complete loss by a covered event.
– Personal Liability
Provides coverage when you are legally responsible for accidental injury sustained on your property or damage to the property of others.
– Other Structures
Coverage for structures on your property separate from the home for example, detached garages, sheds, fences and driveways.
– Supplemental Coverage: ( additional coverage that you can purchase)
Often called a policy rider, this coverage provides protection for Jewelry, Collectibles, Art, Musical Instruments , Fire Arms , Umbrella and Water Back Up
*Mortgage lenders may require certain coverage or limits that can affect the overall premium
DON'T LET A CLAIM RAIN ON YOUR PARADE.
Take your coverage one step further.
Personal Umbrella Insurance is designed to add extra liability coverage in excess of another insurance policy such as an auto, home, boat or other recreational vehicles
You’ve worked hard to build your families nest egg. Unfortunately, that could all disappear in the blink of an eye with a nasty lawsuit.
If someone suffered a serious injury on your property or in a car accident that was you or a family members fault you could be sued for medical or even emotional damages.
Instead of emptying your bank account or going into serious debt your umbrella coverage could cover what your other polices didn’t.
What does it Cover?
Bodily Injury : that exceeds the limits of your home insurance policy
Slander* Libel and Reputation If you injure it, whether it be in person or through social media platform you can be sued.
Property Damages: In the event that you get into an accident and the repair costs exceed the liability on your auto insurance, your umbrella coverage kicks in to cover the rest
Court Cost: If you find that you will have to defend yourself in a lawsuit, your Umbrella will cover your lawyer fees when you have to defend yourself