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Homeowners Insurance

WHAT IS HOMEOWNERS INSURANCE?

Homeowners insurance is available to provide all of the essential property and liability insurance coverages necessary to protect you and the members of your household.  Homeowners policies are designed to cover your dwelling, personal possessions (other than your automobile and certain specifically excluded items), and personal liability.  A policy may also be written to provide protection for apartment and dwelling renters as well as condominium/townhouse unit owners.

Homeowners insurance is a package policy.  This means that it covers both damage to your property as well as your liability or legal responsibility for injuries and property damage you or members of your household cause to other people.  This includes damage caused by household pets.

Damage caused by many types of disasters is covered, but there are exceptions.  The most significant exclusions are damages caused by floods, earthquakes, and poor maintenance.  You must buy two separate policies for flood and earthquake coverage.  Maintenance-related problems are the homeowners' responsibility.

WHY DO YOU NEED HOMEOWNERS INSURANCE?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. This is important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you would need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance.  Ask one of our agents to talk about what is covered and be sure to read your policy so you know exactly what is included and what is not.

Things to consider and questions to ask one of our agents:

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask one of our agents to talk you through your home's features and the things you own so you can make an informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 

Looking for coverage?  Click the following link to submit a quote for quick, accurate, and affordable rates.

Homeowners Quote Form Flood Quote Form
Farm Quote Form  


Access customer service forms directly from our website.  Click one of the following policy service options below.

Request Declaration and Coverages for Existing Homeowners Insurance Coverage
Request Declaration and Coverages Page for Existing Flood Insurance Coverage
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