Homeowners

We offer a comprehensive homeowners product that provides property & liability coverage at a competitive price. There are many optional coverages available that tailor the policy to meet your family's changing needs.

Some optional coverages include (see your Independent Agent for a complete list):

• Extended Replacement Cost on Dwelling
• Replacement Cost on Contents
  
• Identity Theft Expense
  
• Ordinance and Law
  
• Water Back-up from Sewers and Drains
  
• Home Business
  
• Scheduled Personal Property (jewelry, furs, firearms, golf equipment, electronic equipment, etc.)
  
• Fire Department Service Charge-Local
  
• Decreasing Deductible

Your home and auto policies can be written under one Personal Package Policy. You will receive one bill (excluding escrow accounts), plus receive a multi-policy discount on all your lines of insurance.

Policies can be written under six month or annual policy terms, with numerous convenient payment plans available, including monthly EFT.

 

Discounts:

• New home credit
  
• Masonry construction credit
  
• Dwelling under construction credit
  
• Non-smoker credit
  
• Mature homeowner credit
  
• Multi-policy credit
  
• Loss-free credit
  
• Protective devices credit
  
• Premises alarm credit