If you are like most people, your home is your most valuable investment. How you protect it is up to you, and we can help. With a complete line of home insurance products, we are confident we have one that will meet your individual needs.

Homeowner's Insurance Condominium Owner's Insurance Renter's Insurance Rental Property Insurance
Basic Coverages
Your Homeowners Insurance is important; it protects what is probably your greatest asset. The following coverage definitions should help you understand your Homeowners policy--but be sure to consult our experienced staff to assure that you have the right coverage for you.
Dwelling Coverage:
The dollar amount carried to cover your home and any structures attached directly to it. Ideally, the amount of coverage you carry should equal the cost of rebuilding your home after a total loss.
Other Structures:
Covers other structures set apart from the dwelling on the residence premises such as a detached garage. This coverage applies up to the limits provided in your policy and can be increased if necessary.
Personal Property:
This coverage provides worldwide coverage for personal property owned or used by the insured.
Loss of Use:
This coverage is available when you cannot live in your home due to a covered loss. It pays living expenses which go over and above your normal living expenses up to the limit provided in your policy.
Liability:
If someone is accidentally injured or dies on or off your property, and it is caused by you, a family member or pet, this coverage pays claims against you for legal responsibility. (Does not include automobile or business liability.)
Medical Payments:
Homeowner's policy will cover actual medical expenses for accidental injury to others (except your household residents) caused by you, family members or your pets -- on your premises or elsewhere -- regardless of legal liability.
Optional Coverages
Additional Replacement Cost
Backup of Water & Sewer
Scheduled Personal Property (Jewelry, Gems, Precious metals, Guns and etc..)
Earthquake
Homeowners policies have many other optional features available depending on your individual need. Please contact us for more details or to discuss your situation.