Property and Home Insurance

Your home is your castle and, perhaps, your biggest investment! When it comes to Property and Home Insurance, you have many options. And remember, it’s a great idea to take inventory of all of your important personal property.

Home policies: Replacement cost or actual cash value?

Do I Need Flood Insurance?

Types of Property and Home Insurance



Dwelling insurance, also known as dwelling coverage or Coverage A, is the portion of your homeowners policy that covers the costs to repair or rebuild your home after it's damaged by a covered peril, such as fire.

Other Structures

When an insurance company refers to Other Structures or Coverage B on a homeowners insurance policy, they're talking about detached buildings on your property.


Contents insurance is insurance that pays for damage to, or loss of, an individual's personal possessions while they are located within that individual's home. Some contents insurance policies also provide restricted cover for personal possessions temporarily taken away from the home by the policyholder.

Personal Liability

Personal Liability insurance is about financial protection - for you and your family. The personal liability coverage within your homeowners policy provides coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.

Loss of Use

Where will you stay if something happens to your home? And how will you pay your mortgage and for where you will live?

Medical Payment

Medical payments coverage is often a part of the homeowners insurance policy. It helps the homeowner by potentially resolving small claims. If someone is injured on your property, the medical payments portion of your policy will reimburse that individual's medical expenses up to the limit you purchased.

Sudden Water Loss

A sudden or accidental water damage issue such as a broken appliance hose is more likely to be covered by your insurance company. While all policies differ, non-flood related water damage events that occur suddenly and accidentally are typically covered.

Damage to to Foundation or Slab

Foundation damage to a home can happen at any time. Are you covered? You may be surprised when you get the answer from your insurer. Foundation damage coverage is not automatically covered on most homeowner’s insurance policies.

Home Insurance Discounts Available

There is NO limit to the number of discounts you can qualify for!

Age of Construction, Age of Insured, Claims Free, Deadbolt Locks, Fire Extinguishers, Home and Car, Local Ultrasonic, Burglary Alarm, Monitored Alarms, Noncombustible Roof,Personal  Status, Sprinkler System, Smoke Detectors, Alumni

Contact Us

Contact us today to find out how we can help you take the confusion out of purchasing home insurance!

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