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Home Insurance

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 homeowner’s plan. If your home were damaged or destroyed, insurance can help you repair or rebuild your home and replace damaged possessions.

The main purpose of insurance is to protect you against losses you cannot afford. Few people have the financial resources to rebuild their homes. In addition to protecting your home and possessions, homeowners insurance also provides liability coverage to protect you from financial ruin is someone is injured on your property and sues for damages.

A homeowner’s insurance policy consists of coverage for your dwelling and your personal property. It also includes liability insurance which pays for injuries to other people or damages to their property accidentally causes by you, your family, or your pets.

Coverages available:

  • Your home (make sure you are insured to value)
  • Other buildings or structures on your property
  • Your personal belongings
  • Additional living expenses
  • Your personal legal liability

Optional Coverages:

  • Extended Dwelling Replacement Cost
  • Replacement Cost on Contents
  • Jewelry / Fine Arts Floater

To receive more information regarding this program click here.

Tips for Keeping Your
Rates Low

There are some simple steps you can take to reduce your homeowners premiums.

  • Raise Your Deductible – A deductible is the amount you pay before the insurance starts to pay for your loss. Since the purpose of insurance is to pay for the losses you cannot afford, raise your deductible to a limit you could handle in case of a loss.
  • New home – If your home is less than 10 years old, you may be eligible for a new home discount.
  • Make Your Home Safer – You may be eligible for a discount if you have a burglar and fire alarms systems and/or sprinkler systems. Monitored systems will earn a bigger discount than unmonitored systems.
  • Multi Policy Discount – Insure more then one policy with the same carrier and you may qualify for an additional discount.