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Home

Whether you live in the perfect starter house, a custom-built dream home or something in between, one thing is true: you want to protect the life you’ve made there.

Homeowners insurance is a form of property insurance that covers losses and damages to an individual's house and to assets in the home. It can cover wind/hail damage, lightning, fires, theft, and more. You can be protected from lawsuits against you from injuries and accidents that may occur on your property.

Let’s talk coverage scenarios:

Scenario:
You act quickly to prevent a grease fire from getting out of control, but smoke damages the counters and cabinets in your kitchen.
 
Coverage:
Property coverage in your policy can help if your house is damaged by fire and/or smoke. 
Scenario:
You return from a family vacation to discover thieves have stolen electronic equipment from your media room.

Coverage:
If your possessions are stolen, damaged or destroyed in an insured loss, your coverage can help replace them, up to the policy’s stated limits.
Scenario:
A guest at your annual Fourth of July barbecue trips on the steps between your deck and the lawn, fracturing his wrist when he falls against a stone retaining wall.
 
Coverage:
Medical payments coverage can cover the medical costs if a visitor is hurt on your property, regardless of liability.
Scenario:
You heard the warning sirens and escaped uninjured, but you can’t live in your house while tornado damage is repaired.

Coverage:
Coverage for additional living expenses can help with the extra cost of temporary relocation caused by a covered event.
Scenario:
You are at the gym getting in cardio and your purse is snatched from the lockers, containing your wedding ring, watch, and bracelet.

Coverage:
With personal possessions coverage, lost jewelry is covered up to your policy limits.
Scenario:
Your rental home is struck by lightening causing severe damage to the homes electrical system. 
 
Coverage:
Landlord coverage can help save you the cost of replacing the damages out of pocket.  This coverage can also be applied to manufactured homes when applicable. 












The protections available are more than important, they are peace of mind. With your free homeowners insurance quote, you will receive a tailored option of coverages to help meet your exact needs, saving you time and money.


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