Homeowners insurance is a type of property insurance that covers the physical structure of your home, as well as your personal belongings, if they are damaged or destroyed by a covered peril.

​

Homeowners insurance typically includes the following coverages:

• Dwelling coverage: This coverage pays to repair or rebuild your home if it is damaged or destroyed by a covered peril.

• Other structures coverage: This coverage pays to repair or rebuild detached structures on your property, such as a garage or shed.

• Personal property coverage: This coverage pays to replace your personal belongings if they are damaged or destroyed by a covered peril.

• Loss of use coverage: This coverage pays for your living expenses if you are unable to live in your home because of a covered peril.

• Liability coverage: This coverage pays for damages if you are sued for personal injury or property damage that you cause.

​

The cost of homeowners insurance will vary depending on a number of factors, including the value of your home, the type of construction, your location, and your claims history.

​

It is important to purchase enough homeowners insurance to cover the replacement cost of your home and your personal belongings. The replacement cost is the amount it would cost to rebuild your home or replace your belongings at today's prices.

 

You should also review your homeowners insurance policy regularly to make sure it still meets your needs. For example, if you make home improvements, you may need to increase your dwelling coverage.

If you are considering purchasing a home, or if you are a homeowner, it is important to understand the benefits of homeowners insurance and to purchase a policy that meets your needs.

​

Contact Us

​

To learn more about our homeowner's insurance products and services, or to get a quote, please contact us today. We look forward to helping you protect your health.