Home Insurance

Our Homeowners Insurance policies provide complete protection for your home, and extending beyond your home to:

  • Garages and other buildings on your property
  • Household and personal possessions on your property . . . or anywhere in the world
  • Additional living expenses – paid to you if you are unable to live in your home because of a covered loss
  • Personal liability that provides coverage for your legal responsibilities for accidents causing injury to others, on your property and elsewhere
  • Medical payments – actual medical expenses paid to others who are accidentally injured on your property

Our Homeowners policies give you flexibility by offering you many coverage options, such as Guaranteed Replacement Cost, which provides coverage for the actual cost of replacing your home after a loss, no matter what the policy limit may be. Replacement cost coverage can be selected for the contents of your home as well, so that in the event of a loss, no deduction would be made for depreciation on your personal property.

You may also choose higher limits on personal computers and valuables such as jewelry, furs, cameras and silverware. Or you may choose to insure these items on a schedule so that the exact details of each valuable are specifically listed as part of your policy.

You can save money on your Homeowners policy if you have installed safety and security devices, such as smoke detectors or burglar alarms. We offer credits for suburban homes within five miles of an eligible fire department, and we offer premium credits if your home is relatively new. You can save further by choosing a higher deductible and by renewing your policy from year to year, taking advantage of our renewal discounts.