Homeowners insurance is the peace of mind that makes a house a home
The essential coverage you need with options to protect even more of your investment from natural disasters, fire or theft.
Homeowners HO-3
The essential coverage for home protection.
- Damage to your home and other structures on your property caused by fire, lightning wind or hail
- Personal property coverage for furniture, clothing and electronics damaged by causes listed in your policy
- Coverage for damages caused to another person’s property or expenses from injuring someone
- Costs associated with temporary housing and increased living expenses while your are unable to live in your home.
Additional HO-3 policy options
You may also want to consider some of the options available to add to your policy
- Dwelling replacement coverage
- Personal property replacement coverage
- Water backup/sump overflow
- Special computer coverage for computers, smart phones and devices
HO-5 Policies
The most comprehensive coverage to protect more than just your home. It includes everything in HO-3 plus the additional options PLUS
- Additional coverage limits if repair or rebuilding costs exceed your policy limit
- Personal property coverage for additional causes of loss
- Coverage that extends to jewelry, watches, furs and other specific types of valuable property
- Business property coverage both at home and away
- Increased liabilty coverage
