Home Insurance Coverage

Basic Insurance covers
  • Your home and other buildings on your property
  • Personal Possessions- furniture, appliances, clothing, etc
Additional Living Expenses
  • In the event that you are unable to live in your home due to a covered loss, the insurance will cover the additional cost of living and meals.
Liability Insurance
  • Covers you and your family if someone or someone’s property is damaged while on your premises
Medical Payments
  • Coverage for medical expenses for bodily injury to others
Valuable Items Plus
  • Provides coverage for more specialized items such as jewelry, silverware, fine art, furs, cameras, guns, musical instruments, personal computers.  Many of these items have limited coverage on most policies.  More expensive items should be covered by a supplemental policy.
Contents Replacement Cost
  • This allows you to repair/replace personal property in your home.