Selecting the right home policy coverage, deductibles and limits now ensures that you won’t be caught off guard in the future.

Our personal lines experts will help you put together coverage that is right for you, so you are protected should a loss occur. 

Basic Home Coverages:

A standard homeowners insurance policy insures the home itself and the things you keep in it. It is typically a package policy, which means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. Let’s look at each coverage part in more detail:

Dwelling: This offers protection as a result of damage to the structure of your home including fixtures, plumbing and heating due to a covered loss, such as fire or hail storm damage. It does not cover the normal wear and tear of your home or maintenance-related problems. You need enough coverage for the cost of rebuilding or repairing your home, less the cost of the land. Determining this new replacement can be somewhat complex, but we can assist with this process.

Other Structures: This includes coverage for detached structures, such as a garage, garden shed, and fixtures attached to land such as a driveway, sidewalks, patio, fence and swimming pool.

Personal Property: This covers the contents and personal items in your home such as furniture, clothing and sporting goods. Raises your coverage when you get hit by someone that is uninsured or underinsured. This also extends to your personal belongings anywhere in the world, up to a maximum value per item. To determine your property’s value, we’ll provide you with a home inventory checklist to help you quickly and easily itemize your belongings. We recommend insuring your personal property for its replacement cost value. The longer you own your belongings the less value they hold. Replacement cost value ensures that you can replace yesterday’s purchases at today’s prices.

Loss of Use: In the event that a covered loss such as fire forces you from your home, Loss of Use provides a safety net for additional expenses over and above your normal living expenses while you are unable to live in your home, up to the policy limit.

Liability to others: The Liability to Others portion of your policy covers you against lawsuits for bodily injury or property damage that you or family members may cause to other people. It pays for both the cost of litigation and court awards, up to the limit of your policy. It also covers you at home or away. If a visitor is injured in your home, medical payments coverage allows the person to submit medical bills directly to your insurance company. The benefit is that expenses are paid to the injured person up to the policy limit without a liability claim being filed against you.

Additional Home Coverages:

• Earthquake
• Flood
• Jewelry/collectible floater
• Extended or guaranteed replacement cost for structure
• Sewer and drain back-ups
• Umbrella coverage  

Ways to Save on your Home Premium

• Ask about or multi-policy discounts
• Have a monitored home security system
• Consider raising your deductible