Homeowners Product Information

If you own your home, we offer several types of policies that might fit your needs. We give you the option to choose the coverage you want and help you tailor them to give you maximum protection for your insurance dollar. Coverage to protect your property may be provided on a replacement cost basis (the amount required to repair or rebuild your home with similar materials) or an actual cash value basis (the amount required to repair or replace your home minus any depreciation).  Homeowner policies include the following protections:

• Dwelling coverage up to the limits you choose to purchase.
• Coverage for your personal property up to the limits you choose to purchase.
• Coverage for structures in addition to your primary dwelling (such as storage sheds, boathouses, and pools).
• Coverage for loss of use (reimbursing you for expenses for loss of use of your home caused by named perils).
• Medical expenses (paying up to $1,000 per person if someone is injured on your property).
• Liability exposures (protecting you against certain risks up to $100,000 per accident for bodily injury or property damage).
• Higher limits of liability and medical expense coverage are available for a small charge.

Policyholders may also purchase additional coverage for valuable personal property such as jewelry, watches and furs. Coverage for collectibles worth over $1,000 including musical instruments, cameras, computers and other equipment may be specifically scheduled. Items over $2,500 will require an appraisal.
Additional coverage is available for property such as personal computer equipment, business property, jewelry, bicycles, cameras, etc.

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