From the structure that shelters you to the possessions you value, our comprehensive coverage options are designed to protect every aspect of your home and provide peace of mind.
Protection for your home's structure and built-in components
Dwelling coverage forms the core of your home insurance policy, protecting the physical structure of your home against covered perils. This includes your home's walls, roof, floors, and permanently attached fixtures. Whether it's damage from fire, windstorms, hail, lightning, or other covered events, dwelling coverage ensures your home can be repaired or rebuilt.
The coverage amount should reflect your home's rebuild cost, not its market value. This accounts for construction materials, labor costs in your area, and architectural features unique to your property. We work with you to determine the right coverage amount that will fully protect your investment.
Built-in appliances, plumbing systems, electrical systems, heating and cooling equipment are all covered under this essential protection. We also cover attached structures like garages and porches that are part of your home's main structure.
Protects your belongings inside and outside your home
Personal property coverage protects the things you own inside your home—furniture, clothing, electronics, appliances, and much more. This coverage typically extends beyond your home's four walls, protecting your belongings even when they're temporarily away from your property, such as luggage on vacation or items stored in your vehicle.
We offer both actual cash value and replacement cost coverage options. Replacement cost coverage pays to replace your items at today's prices without deduction for depreciation, while actual cash value factors in the item's age and wear. Most homeowners choose replacement cost for more comprehensive protection.
Special limits may apply to certain high-value items like jewelry, art, collectibles, and electronics. We offer scheduled personal property endorsements to increase coverage for these valuable possessions. Our team helps you create a home inventory to ensure adequate protection for all your belongings.
Financial protection when you're legally responsible for injuries or damage
Liability coverage protects you financially if someone is injured on your property or if you accidentally damage someone else's property. This essential coverage pays for legal defense costs, medical bills, and settlements or judgments if you're found legally responsible.
The coverage extends beyond your property lines. If your dog bites someone at the park, or if you accidentally damage a neighbor's property, your liability coverage responds. It also covers incidents caused by family members living with you, including children.
Most policies start with $100,000 to $300,000 in liability coverage, but we typically recommend at least $500,000 to $1 million. Higher limits provide greater financial protection and are surprisingly affordable. For even more protection, an umbrella policy can extend coverage to several million dollars.
Covers costs when your home becomes temporarily uninhabitable
If a covered loss makes your home uninhabitable, Additional Living Expenses (ALE) coverage pays for temporary housing and increased living costs. This means you won't have to worry about hotel bills, restaurant meals, or storage fees while your home is being repaired or rebuilt.
Coverage extends to necessary expenses that exceed your normal living costs. If you typically spend $200 a week on groceries but now pay $350 eating at restaurants, we cover that $150 difference. The same principle applies to rent, utilities, and other living expenses.
Most policies cover ALE for 12 to 24 months or up to a percentage of your dwelling coverage limit. We ensure your policy provides adequate time and financial resources to maintain your household's standard of living during this challenging period.
Protection for detached structures on your property
Other structures coverage protects buildings and structures on your property that aren't attached to your main home. This includes detached garages, storage sheds, workshops, gazebos, fences, and other freestanding structures.
Coverage is typically set at 10% of your dwelling coverage amount, though this can be increased if needed. For example, if your home is insured for $300,000, you'd have $30,000 in other structures coverage. If you have valuable detached structures, we can adjust this limit.
The coverage protects these structures from the same perils that threaten your main home—fire, wind, hail, vandalism, and other covered events. It also covers permanently installed equipment in these structures, such as workbenches in a garage or shelving in a storage shed.
No-fault medical coverage for guest injuries on your property
Medical payments coverage pays for minor medical expenses when someone is injured on your property, regardless of who is at fault. This "no-fault" coverage provides quick payment for medical bills without the need for a liability claim or lawsuit.
Typical coverage limits range from $1,000 to $5,000 per person. While this might seem modest, it's designed to handle minor injuries like twisted ankles, minor cuts, or bruises. For more serious injuries, your liability coverage would respond if you're found legally responsible.
This coverage promotes goodwill and can prevent minor incidents from escalating into larger legal disputes. It covers necessary medical expenses incurred within three years of the accident, including ambulance fees, hospital visits, surgery, X-rays, and dental work required due to the injury.