homeownersInsurance protection for probably one of your largest assets shouldn’t be taken for granted. Let us help you understand the standard and optional coverages for your home and personal items. Keep in mind that a standard homeowner’s policy does not cover loss due to a flood.

  • Liability Protection – can help protect you if you are found negligent in injuring someone else or causing damage to property owned by others. This coverage protects you at your home and away from your home.


  • Medical Coverage – pays for injuries of others that occurs on your property.


  • Dwelling Coverage – protects the home itself.


  • Other Structures –provides coverage for buildings on your property that are not attached to the home such as a storage building or detached garage.


  • Personal Property – coverage for the items you personally own such as clothing, furniture, electronic equipment and more.

There are several optional covers that you should consider including personal injury, identity theft, equipment breakdown, water and sewer backup, and identity theft expense.

*Note – coverage is subject to insured limits, deductibles and covered perils.