Our agency offers a variety of comprehensive homeowner’s insurance policies to choose from. Whether you live in a single home, mobile home, a condominium or an apartment these plans can be tailored to suit your individual needs and budget.

Many policies automatically include a broad complement of standard features that cover your dwelling, personal property and other structures. The policy also includes liability protection, loss of use and medical payments to others coverage. You may take advantage of higher deductibles, discounts and credits to reduce your insurance premium, and you can add endorsements to your policy to broaden the protection limits even further.

Paying for smaller claims yourself allows you to lower your homeowner’s insurance premiums by choosing a higher deductible. Typical deductibles are $ 250, $ 500, $ 1,000, $ 2,500 or $ 5,000.

Multi-policy – By insuring your auto and home with the same carrier, you will receive a discount on your auto premium as well as your homeowners insurance premium.
New Home – Receive a discount if you live in a new home.
Premises Alarm – This discount is applied to your premium if you have smoke detectors installed in your home or a central system alarm.
Sprinkler System Credit – If you install and maintain a sprinkler system, you will receive a credit on your homeowner’s premium.

There is a variety of optional coverage available to meet your individual needs and these can be added to your homeowner’s policy by endorsement for a minimal additional premium:

Scheduled Personal Property (jewelry, furs, fine arts, coins, and collectibles)
Sewer/drain backup or sump-pump overflow
Ordinance Protection
Siding and/or Roofing Restoration Coverage
Identity Recovery Coverage
Earthquake Coverage
Personal Computer Coverage
Replacement Cost on Personal Property

If you would like a comprehensive review of our homeowner’s insurance program, please use our quote link or contact us.