Home Insurance

Our homeowner’s policy covers your single-family detached home, townhouse, or duplex. It includes coverage for the structure itself, along with any detached structure (like a fence, shed, or garage) and your personal property (like your clothes, furniture, appliances, electronics, and more). Also, it provides coverage for liability – which protects your home if you’re involved in a lawsuit. We’ll also cover your additional living expenses, should you be unable to live in your home after a covered loss. We offer two primary types of policies: replacement coverage, which pays to rebuild your home, or actual cash value coverage, which covers the market value of your property.

Our condo policy provides coverage specifically crafted to meet the needs of condominium unit owners. It supplements the exterior coverage provided by your condo association, providing protection where that policy’s coverage ends. In most cases, the association’s policy will rebuild the exterior structure – essentially, the shell of your home. Depending on that policy, you may be responsible for the interior floors, drywall, wiring, carpeting, lighting, fixtures, and more. For this reason, it’s important to maintain proper coverage. The policy also provides important protection for your personal property, and like our homeowner’s policy, it offers coverage for your liability exposures and additional living expenses.