Home & Family Insurance

For most of us, our home is our most prized possession.   Protecting it with the right level of homeowners insurance is important. Homeowners insurance helps protect your home from unforeseen disasters, vandalism and many other unfortunate events.   Buying homeowners insurance will give you and your family a piece of mind that your memories can be replaced.

Finding the perfect homeowners policy can be overwhelming.  Most insurance companies have multi-level homeowner’s policies, which cover various items and structures.  the fact is most people don’t know what general homeowners insurance policy covers, leaving them devastated when an event occurs.  We recommend you contact one of our licensed agents to review your current policy or to talk about your personal needs.

A general homeowner policy covers

Dwelling:

Damage to your home and unattached structures; such as garages, pool houses, and wood shops.

Personal Property:

Protects items such as your clothing, furniture, and other prized possessions.

Liability:

Covers your cost if you are found at fault to bodily injury or accidental damage.

Medical Payments:

Covers medical bills for people who were injured as a result of being on your property.  Examples include dog attacks, or falls while contracted on your property.

Loss of Use:

If your home is too damaged to live in, most insurance companies cover 10 to 20 percent of dwelling value.


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