Home Insurance

You’ve worked hard for what you have. Your house is more than a place for your things. It’s your home. Protect the people you love and the things you value with the right homeowners insurance coverage tailored to your needs.

Protect your home from damage and theft

• Fire and lightning
• Windstorm and hail
• Weight of ice or snow
• Smoke damage
• Falling objects
• Freezing damage
• Theft
• Vandalism
• Accidental overflow from plumbing
• Accidental electrical damage to appliances
• Damage by vehicles

Homeowners insurance policies typically provide basic protection for your property. But they may not provide all of the protection you want or need. Consider these additional homeowners insurance coverage options to tailor a policy that’s right for you.

Scheduled personal property
Provides additional homeowners insurance coverage for high value items such as jewelry, watches, antiques and fine art.

Replacement cost plus
Can pay up to an additional 20 percent of the home coverage limit if there is a total loss of your home – and additional money is needed to rebuild.

Extended replacement cost on contents
Pays to replace or repair personal property without depreciation being taken from the value of the property.

Water backup of sewer
Broadens the coverage for loss due to water backup through sewers or drains.

Ordinance or law
Pays for increased expense to rebuild due to current building codes or ordinances.